Before PRBE files a single dispute, every client completes the same 5 moves. This is that exact checklist — one page, free, in your inbox and on your screen in the next 60 seconds.
Stop applying for new credit — starting today
Get the FICO from Experian free — not the bank’s VantageScore
Gather the 3 identity documents every dispute requires
Write down what you already know is wrong
Never pay a collection without the terms in writing
Instant download on the next page — plus a copy to your inbox.
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Why the first move is to stop applying — an inquiry is not an error, so it cannot be disputed off. It sits for two years. This is the only move on the sheet that works the second you do it.
Why the score in your bank app is the wrong score — your bank and Credit Karma show a VantageScore. Lenders pull a FICO. Experian’s free membership shows you the FICO. Same person, two different numbers — and only one of them gets you approved. (And you never pay for monitoring. Ever.)
The 3 identity documents that every dispute requires. Having them in one folder before you start saves weeks on the file.
How to build the list from memory — no report needed to start. Creditor, rough amount, rough year. That list is where the evaluation begins; the reports get pulled and read line by line with you, on the call.
Never pay a collection without written terms — a payment can restart the clock for a lawsuit in many states, and paying does not by itself remove the item. Get it in writing before a dollar moves.
20 real clients on camera. Names, cities, unscripted — Queens, Long Island, Orlando, West Palm Beach, Danbury, Texas, Nebraska, and one in Portuguese from Goiânia. Watch them →
Most credit repair companies quietly collect $5–$12/month from the monitoring subscription they push on you. PRBE Capital doesn't — the checklist sends you to the free Experian membership instead, and tells you why the number in your bank app isn't the one lenders read. That's the standard everything here is built on.
"Why give it away?"
Because this is the same prep sheet every paying client completes anyway — a prepared file simply moves faster. And PRBE Capital believes you judge a company by what it gives away, not by what it sells. Judge away.