Welcome to the family! We’re so glad you’re taking this step to fight for your right to a fair credit report. We’re going to get you access to all three of your credit reports, help you understand the different positive and negative tradelines, and work with you to put together a plan to challenge the ones that are hurting you. Once we get the plan in place, we’ll keep you in the loop on every challenge, response, and removal. Exciting times ahead, we can’t wait for you to get the credit you deserve!
Yes! Not only is this legal, but so important. The Fair Credit Reporting Act was written to protect you! We’re sick of the bureaus selling your personal information and not being held accountable when they’re not fairly representing you.
Credit is a very personal thing so everyone’s results will be different. You can expect us to work hard on your behalf to ensure your reports are a fair representation of who you are as a borrower. You can check out our testimonials to see how it really works for a lot of our community members, but the lawyers make sure we don’t promise it will work for you. (It probably will 😉🙊)
We work with all three bureaus to get copies of your credit reports then work with you to understand your unique situation. After understanding what impacted the negative items on your report, we work with the bureaus and your creditors to ensure that the reports are fair, accurate and justifiable. We make it so easy to follow along on the app and we’re always available to answer any questions along the way. See how simple fixing your credit can be. Try Hatch Credit today.
Credit Prep is Hatch Credit’s unique, proactive approach to helping you get your credit report ready for approval. Unlike other options that only focus on removing negative items, Credit Prep gives you the tools and insights to understand what underwriters are looking for—and how your credit report can work for you. We’ll help you access your reports, identify key factors lenders consider, and work directly with the credit bureaus to ensure your information is fair, accurate, and verifiable. Whether you're aiming for a car loan, a mortgage, or just better financial opportunities, Credit Prep is about empowering you to take control before you apply.
A huge advantage for our friends vs the clients of our competitors is that we work with all three bureaus. What good is cleaning up your TransUnion report if your auto lender uses Equifax? Or getting your Equifax score up if your mortgage lender uses Experian? By covering all three bureaus we put you in a position to be successful in your credit journey no matter who the lender is using. We want you to get that car, apartment, job, house, or just to feel good about the good credit you’ve built!
Because we’re not trying to “hack” the credit system. We’re trying to fix it. We believe you should be represented fairly—not defined by the worst day of your financial life. The bureaus make millions selling your data. The least they can do is get it right. We’re here to help you take your power back, one item at a time. Let's fix it together.
This one’s big. Late payments can drag your score down for years—and most folks think they’re stuck with them. But here’s the thing: just because you were technically late doesn’t mean it’s fair that it’s still holding you back. Life isn’t one-size-fits-all, and neither is credit. Maybe you were in the military. Maybe you went through a messy divorce. Maybe you just had a rough year. We make sure the story behind the missed payment gets heard. Want help telling your story? Start here.
These happen when accounts go unpaid and either get written off or sent to collections. But just because something went to collections doesn’t mean it belongs on your report forever. If the collector can’t prove they own the debt, verify the amount, or show you were notified properly—we challenge it. Often, they don’t have the receipts. And if they don’t, it comes off.
Hard inquiries can ding your score for up to a year—but if you didn’t approve the pull, it shouldn’t be there. We help challenge inquiries that weren’t authorized, that show up multiple times, or that were pulled under shady pretenses. You deserve control over who’s accessing your credit file. Period. Don't wait. Take control today.
These are the heavy hitters. But even they can be challenged if they’re not reported correctly. If there’s a mismatch in dates, docket numbers, amounts, or even if the court can’t verify the filing, we’ve seen these items come off. It’s not easy, but you’ve got us in your corner. We're ready when you are. Start today.
Wrong names. Old addresses. Jobs you never had. These don’t impact your score directly, but they do create confusion—and can make it easier for the bureaus to mix your file with someone else’s. Cleaning this stuff up is step one to telling your credit story clearly and confidently.
Yes. This is a big one. Credit reports need to be accurate, fair, and verifiable. If it’s missing context, hasn’t been verified properly, or is still haunting you from years ago despite real progress it’s probably worth challenging. We’ve helped remove accurate items because they weren’t fair. Because they weren’t current. Because the bureaus couldn’t validate them. Because our customers had a story and we helped them tell it. It's your turn now. Join Hatch Credit today.
Back to TopNo, but we want to! We can point you in the right direction if that’s what you’re looking for, but for now we just work to clean up credit reports.
We’re fed up with the lack of integrity in this industry. Price gouging ($129 a month?!), confusing fees (Wtf is a ‘first work’ fee?), unnecessary services just to make the process more arduous and expensive. Looking around we saw a huge opportunity to be the good guys in a market where people are constantly being taken advantage of. We promise to try our hardest to make you love what we do. We’re going to be straightforward, you’ll know exactly how much our services cost and you’ll understand what we’re actually doing on your behalf.💪 What you see is what you get. Start with Hatch Credit.
Almost all of our people finish with the process in the first year, and most in the first 6 months. It’s important to understand that everyone will have a different timeline. There’s a lot of things that impact the timeline. Are we attacking 20 items? 60? 3? What was going on in your life when these negative items popped up? Here’s our commitment, we’ll go as fast as we can and be as aggressive as possible on your behalf. We’re not in the business of dragging our people along through the process. We want to get you results so you’ll tell all your friends how great we are at this.
So. Damn. Easy. You’ve probably seen places where you have to fax, mail, call, or give 30 days notice to cancel. Not here. If you’re done, we’re so excited for you! Hit the big red cancel button in your account and tell everyone you know how great your experience was with us. Please? 🙏
Nah. We make it super easy to start, even easier to stop, and we let you decide when to do either of those things. Start risk free.
You probably gathered by now, but a big part of why we started this business is because we wanted to make affordable options for people who needed help getting back on their feet financially. When you’re ready to take your credit journey seriously it's just $39.99 a month. Most of our competitors’ plans start at $70-80 a month and they get even more expensive from there. Plus, unlike them, we don’t have any hidden fees or weird bills showing up in the first five days… ahem… 👀