C.H.E.S.S Strategix
Credit Sweep: The Legal Version
A 'credit sweep' is a fast cleanup of negative items on your report. There's a legitimate version that uses the Fair Credit Reporting Act — and an illegal version built on identity-theft affidavits. We only do the first.
No credit card required. Founder-led service since 2018.
What you get
Mass dispute strategy
Every removable item challenged across all three bureaus in the same cycle.
30-day window
Bureaus must respond within 30 days or delete by default. We track every clock.
Identity-theft (NEVER)
Filing a fraudulent ID-theft affidavit is a federal crime. We do not, and will not, run sweeps this way.
Real expectations
A legitimate sweep clears 30–70% of removable items in the first cycle. The rest take additional rounds.
Clients who moved their score
"47 points in 60 days. Three collections gone in the first round."
"Got my mortgage approved at 5.9% instead of 7.4%. Saved more than I'll ever pay them."
"Removed a charge-off the bureau swore was verified twice. The 609 + furnisher combo is real."
Frequently asked
- Are credit sweeps legal?
- FCRA-based mass disputes are 100% legal. Identity-theft affidavits filed for items that aren't actually fraud are felonies.
- How long does a credit sweep take?
- Bureaus have 30 days to respond. Most legitimate sweeps complete the first round in 35–45 days.
- Why do some companies promise a 'guaranteed sweep'?
- Because they're using the illegal version. Avoid any company that asks you to sign an identity-theft affidavit for accounts that are actually yours.