● America’s #1 Credit Repair Education Platform
Stop Letting Bad Credit
Control Your
Financial Future
Master proven dispute strategies used by credit professionals Metro 2 compliance, FCRA disputes, bankruptcy removal & collections deletion. Backed by 18+ years of real expertise from Tina Talks Credit.
✓ Cancel anytime ✓ Instant access ✓ 7-day guarantee ✓ 18+ yrs expertise
The Problem
Bad Credit Isn't Just a Number —
It's Costing You Real Opportunities
Denied for Mortgages & Auto Loans
Lenders reject applications or charge predatory rates — costing tens of thousands over a lifetime because of inaccurate negative items that could be legally removed.
Collections & Inaccurate Negative Marks
Outdated collections, duplicate accounts, and data-furnisher errors drag your score down — even when they’re legally disputable under the FCRA.
Paying for Credit Repair That Doesn’t Work
Generic dispute letters bureaus legally reject. Cookie-cutter companies charging monthly fees with zero real results — keeping you trapped in the same cycle.
The Real Strategies Are Hidden From You
Metro 2 compliance, FDCPA violations, furnisher disputes — the industry’s most powerful tools are kept from everyday consumers.
Education
Industry Insiders Don't
Want You to Have
The Solution
Getting Started Takes
Less Than 3 Minutes
A proven 3-step system designed to take you from confused to confident
— no prior experience needed.
Sign up for the All-In-One plan at $39/month. Instant access to all 9 courses, the letter library, and every tool — in under 3 minutes. No contracts, cancel anytime.
Follow Tina's step-by-step video lessons at your own pace. Use the built-in Dispute Letter Editor to craft legally powerful, bureau-ready challenges tailored to your situation.
Submit your disputes, track progress, and watch negative items disappear. Most students applying the strategies see their first results within 30–45 days.
Our Curriculum
All 11 Expert Courses.
One Subscription.
Every course included in your $39/mo All-In-One plan — from day one.
Introduction to Credit Bureaus and Consumer Reporting Agencies
In this comprehensive course, you'll gain a deep understanding of how credit bureaus Experian, Equifax, and TransUnion affect your financial life.
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How To Read A Credit Report
Understanding a credit report is the foundation of effective credit repair. Whether you're a consumer wanting to take control of your financial future, or a credit professional aiming to help others...
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How to Wipe Out Hard Pulls & Protect Your Credit File!
Your credit report records who checks your credit, categorized as hard or soft inquiries. Knowing the difference helps you manage your credit wisely.
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The Power of Personal Info: Fix, Remove & Protect Your Credit Data
Credit bureaus store personal information like addresses, targeting key credit report fields like payment status, account status, and comments.
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Erasing the Past: How to Dispute Missed Payments & Fix Your Payment History!
Your payment history is the most crucial factor in your credit score, showing lenders how reliably you make payments.
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Crushing Charge-Offs: Your Ultimate Guide to Disputing & Deleting Unpaid Debts
A charge-off occurs when a creditor marks a debt as uncollectible and writes it off as a loss. However, this does not erase the debt you may still be responsible...
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Fight Back Against Paid/Settled Charge-Offs
Successfully disputing a paid settled charge-off involves targeting key credit report fields like payment status, account status, and comments. A strategic approach can help improve how the account is...
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Bankruptcy Disputes Unleashed! Fight Back Against Reporting Inaccuracies
When creditors fail to collect a debt through standard methods, they often sell it to a collection agency, usually after multiple missed payments.
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Metro 2 Dispute Blueprint: How to Legally Force Credit Bureaus to Delete Inaccurate Accounts
Metro 2 is the standardized format used by financial institutions to report consumer credit data to major.
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Wipe Out Collections: The Ultimate Guide to Fighting Back & Winning
When creditors fail to collect a debt through standard methods, they often sell it to a collection agency, usually after multiple missed payments.
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The Ultimate Repossession & Foreclosure Dispute Guide: Leveraging FCRA & Metro 2 Compliance to Win!
A repossession must adhere to strict Metro 2® and FCRA compliance when reported to credit bureaus. Ensuring accurate reporting can help protect your credit profile.
Enroll Now →Get Every Course for One Low Monthly Price
All 11 courses · Dispute letter library · Letter generator tool · Monthly new content · Completion certificates
Simple Pricing
One Plan. All 11 Courses.
One Affordable Price.
Access everything Dispute Champs Academy offers — for less than what
most credit repair companies charge per hour.
Buying Individually
per course · one-time purchase
Buy courses one at a time. Only get what you purchase — no extras included.
- ✓Access to selected course only
- ✓Course video lessons
- —Full dispute letter library
- —Dispute letter editor tool
- —Monthly new content updates
- —All 9 courses
- —Completion certificates
All-In-One Subscription
/ month · cancel anytime
The complete Dispute Champs Academy experience — every course, tool, and update under one affordable plan.
- ✓All 9 expert-led courses — full access
- ✓Complete dispute letter library
- ✓Built-in dispute letter editor
- ✓New content added every month
- ✓Completion certificates for every course
- ✓Research Wizard tool included
- ✓Instant access after enrollment
Learn From the Woman Who
Has Seen Everything
With over 18 years of hands-on credit dispute experience, Tina has helped thousands of Americans remove inaccuracies, rebuild damaged credit, and achieve financial freedom they thought was out of reach.
She created Dispute Champs Academy to democratize the insider strategies that only credit professionals knew — giving everyday people the same powerful tools to fight back against the credit system and take full control of their financial future.
- 18+ years of direct credit dispute, repair, and consulting experience
- Expert in Metro 2 compliance and data furnisher dispute law under FCRA & FDCPA
- Trained thousands of students — from everyday consumers to professional credit repair business owners
- Recognized as America's premier credit repair education authority by her growing community
Real Results
Students Who Transformed
Their Credit Scores
Consistent outcomes from students who applied the Dispute Champs
system.
"Credit Approval Solutions goes above and beyond for every need. I am very pleased and will refer as many people as possible because they perform phenomenally. Tina's knowledge of dispute strategies is truly unmatched."
"The Metro 2 compliance course alone was worth 10x the price. I went from 591 to 720 in less than 90 days. I can finally qualify for the mortgage I've been working toward for years. This program is the real deal."
"It was a pleasure speaking with Tina — she helped me strategize my entire credit repair action plan. Six months after applying what I learned, my score is completely unrecognizable. I cannot thank her enough."
"Very professional and very thorough. Tina is passionate about what she does and it shows in every single lesson. The collections dispute course removed items I was told were permanent. I'm blown away."
"After my second call with Tina I was still just as happy and impressed as after the first. The course content backs everything up. I went from 512 to 718 using the FCRA strategies she teaches. Absolutely incredible."
"Tina is amazing — very caring and extremely knowledgeable. She went above and beyond to help. I started with a 543 score. Eight months later I got approved for my first home. I cannot recommend this program enough."
FAQ
Answers to Your Biggest Questions
Everything you need to know before enrolling — honest, straightforward
answers.
Absolutely. Our Foundation courses start from zero and build progressively. Many of our most successful students had no prior knowledge — just the motivation to change their financial situation. The courses are designed to be clear and actionable from day one.
Results vary based on your starting point. Most students who apply the strategies consistently begin sending disputes within their first week and see credit report changes within 30–45 days. Score improvements typically follow within the same bureau cycle.
Yes — disputing inaccuracies is a federally protected right under the Fair Credit Reporting Act (FCRA). Generic disputes can be rejected as “frivolous” — that’s exactly why we teach precise, legally sound strategies that bureaus cannot lawfully ignore.
Metro 2 is the industry-standard format that creditors use to report your data to the credit bureaus. When data isn’t reported in Metro 2 compliance format — wrong status codes, incorrect dates, missing fields — you have legal grounds to demand correction or deletion.
Yes — cancel anytime directly from your account dashboard. No contracts, no cancellation fees, no questions asked. Your access continues until the end of your current billing period.
Yes! Many of our students are credit repair professionals using Dispute Champs to sharpen their skills and improve client results. The All-In-One plan includes a Business Launch course with client scripts, pricing strategy, and compliance frameworks.
Three things: 18+ years of real dispute experience — not theory. A built-in dispute letter editor. And courses that cover advanced tactics — Metro 2 compliance, bankruptcy disputes, FDCPA violations — that other platforms skip or oversimplify.
No. As an All-In-One subscriber, every new course and piece of content added to the platform is automatically included at no extra cost. Your $39/month always gives you the full library.
🔓 Your Financial Freedom Starts Here
Ready to Take Back Control
of Your Credit Score?
Join thousands of Americans who stopped accepting bad credit as their reality. Get instant access to all 9 expert courses for one flat monthly rate and start seeing real results in as little as 30 days.
🛡 7-Day Satisfaction Guarantee — not satisfied? We’ll refund you.
✓ Cancel anytime ✓ Instant course access ✓ No contracts ✓ 7-day guarantee ✓ 5,000+ students
