Truth. Strategy. Results.
Your credit file should tell the truth.
We make sure it does.
Premium FCRA and FDCPA credit advocacy for consumers and businesses in metro Atlanta and beyond. Led by Dr. Pamela D. Howard.
Three-Bureau Analysis
TransUnion · Equifax · Experian reviewed side by side
FCRA & FDCPA Expertise
Federal consumer protection law applied to every file
Metro 2 Compliance
Industry data standards reviewed for violations
Alpharetta, GA
Serving metro Atlanta & clients nationwide remotely
The Problem
Millions of Americans are being held back by inaccurate credit reporting.
Collections that don't belong to you. Charge-offs with inflated balances. Duplicate tradelines counted twice. Late payments from accounts that were never properly reported.
The credit bureaus and debt collectors count on the fact that most people don't know their rights — or don't have the time to fight back. At Veritas Credit Advocacy Group, we do.
We don't file form letters and hope for the best. We analyze your full three-bureau credit profile, identify every FCRA and Metro 2 violation, and build a documented, law-based case for every dispute we file — on your behalf.
"This is what advocacy actually looks like."
Our Process
Three steps. No guesswork. Real results.
Analyze
We pull your three-bureau report and read every line.
Most people have never seen a true side-by-side comparison of their TransUnion, Equifax, and Experian files. We compare all three, identify discrepancies between bureaus, flag every FCRA violation and Metro 2 compliance issue, and build your complete dispute priority roadmap.
Advocate
We draft every letter. You review and mail.
From FCRA dispute letters to FDCPA debt validation demands to CFPB complaint packages — every document we produce cites the specific legal statute it invokes. No form letters. No automation. Every letter is written for your specific account, your specific violation, and your specific bureau.
Monitor & Escalate
We track every response and escalate when needed.
When bureaus or furnishers fail to investigate properly, we know exactly what to do next: second-round disputes with new evidence, CFPB escalation, and referrals to consumer protection attorneys when the situation warrants. We don't stop at "verified."
Our Services
Choose the level of advocacy your file requires.
Consumer Credit Services
One-Time
Clarity Report
$397
One-time flat fee
Your complete three-bureau credit file analyzed, every violation identified, and your personalized dispute roadmap delivered in writing — with up to three dispute letters drafted and ready to mail.
Best for: Clients who want professional-grade analysis and letter quality but are ready to manage their own execution.
Monthly
Advocate Plan
$247/month
$197 setup · 3-month minimum
Full ongoing management of your credit file. We draft unlimited dispute letters, debt validation demands, and CFPB complaints every cycle. You receive a written progress report each month and never have to wonder what's happening with your file.
Best for: Clients with three to eight derogatory items who want expert management for a defined period.
Premium
Full Shield
$397/month
$297 setup · 6-month minimum
Our most comprehensive consumer tier. Includes everything in the Advocate Plan plus goodwill letter drafting, pay-for-delete negotiation letters, priority 48-hour document turnaround, bi-weekly strategy calls, and attorney referral coordination.
Best for: Complex files with charge-offs, multiple collections, cross-bureau discrepancies, and a need for a multi-front strategy.
Business Credit Services
One-Time
Business Clarity
$597
One-time flat fee
Your D&B, Experian Business, and Equifax Business profiles audited. PAYDEX score analysis, trade line gap identification, and a written action roadmap — so you know exactly where you stand and what to build.
Monthly
Business Builder
$497/month
$497 setup · 6-month minimum
Everything in Business Clarity, plus ongoing trade line vendor strategy, business dispute letters, credit monitoring, and a fundability assessment so you know what financing you can qualify for and what you need to improve.
Custom
Enterprise
Custom Pricing
Quoted per engagement
Multi-entity credit strategy, lender-ready package preparation, and SBA / commercial loan readiness review. Typically $1,500–$3,500 flat per engagement.
Important Disclosure
Veritas Credit Advocacy Group is a licensed Credit Services Organization operating in full compliance with the Credit Repair Organizations Act (CROA), 15 U.S.C. §§ 1679 et seq., and Georgia state law. We do not guarantee specific credit score outcomes. Results vary based on individual credit profiles and the responses of credit reporting agencies and data furnishers. No fees are charged before services are performed.
The Difference
We're not a dispute mill. We're your advocates.
What most credit repair companies do
- Send the same form letter to all three bureaus on a monthly cycle
- Charge you for whether the work is being done effectively or not
- Stop at "verified" with no next-step strategy
- Have no legal framework behind their disputes
- Employ anyone willing to fill out forms
What Veritas does
- Analyze your file with a legal lens before drafting a single letter
- Bill only after services have been performed — federal law requires it
- Escalate to CFPB complaints and attorney referrals when bureaus fail to investigate properly
- Cite specific FCRA and FDCPA statutes in every letter we produce
- Led exclusively by Dr. Pamela D. Howard, an educated paralegal
Client Success Stories
Real Files. Real Results.
These are the people who came to Veritas feeling stuck — and walked away with their credit file telling the truth. Their words, not ours.
"After a fraudulent medical collection tanked my score by 90 points, Veritas identified the FCRA violation and had it removed within two dispute cycles. My score is back above 760 and I qualified for my mortgage."
Marcus T.
Roswell, GA
"Dr. Howard's three-bureau analysis caught a misspelled name and a mixed file that two other companies missed entirely. She treated my file like a legal case, not a template letter. That made all the difference."
Danielle R.
Atlanta, GA
"I was denied a business loan because my personal credit had three accounts that weren't mine. Veritas drafted Metro 2 compliant disputes and all three were deleted. We closed on our SBA loan six weeks later."
Kevin & LaToya B.
Cumming, GA
"I had almost given up. A debt collector was re-aging a settled account and re-reporting it every few months. Dr. Howard cited the FDCPA directly and it stopped. I finally have peace of mind and a clean report."
Patricia S.
Sandy Springs, GA
"What sets Veritas apart is the education. I didn't just get disputes filed — I understood why each item was challengeable and what the law actually requires. I feel equipped to protect my credit for life now."
Jonathan M.
Alpharetta, GA
"We came to Veritas after a divorce left my credit in ruins. Within four months, eleven inaccurate items were removed across all three bureaus. I was able to lease a vehicle in my own name again. Worth every penny."
Aisha K.
Marietta, GA
Results vary based on individual credit file circumstances. Testimonials reflect specific clients' experiences and are not a guarantee of future outcomes. Veritas Credit Advocacy Group operates in compliance with the Credit Repair Organizations Act (CROA).
Case Study
When the bureaus wouldn't listen, we made them.
A real case from our files — names changed for privacy, results documented and verified across all three bureaus.
Client
M. Richardson
Atlanta, GA · Self-employed
Starting Score
538
Across all three bureaus
Goal
Mortgage Approval
Needed 680+ to qualify
The Challenge
Identity Theft
14 fraudulent accounts opened across three states using a misspelled variant of the client's name.
Mixed Credit File
Equifax and TransUnion were merging the client's file with a relative's, surfacing debts that weren't hers.
Stale Collections
Seven collection accounts past the 7-year reporting limit still appearing on two of three bureaus.
Our Approach
Forensic File Audit
Pulled and cross-referenced all three bureau reports line by line, flagging every item that violated FCRA reporting standards or fell outside permissible reporting windows.
Targeted Dispute Strategy
Drafted bureau-specific dispute letters citing exact FCRA provisions, Metro 2 formatting violations, and identity theft protections under 15 U.S.C. § 1681c-2.
Escalation & Follow-Through
Escalated unresponsive items to CFPB and state AG complaints, and pursued direct creditor validation under FDCPA for the remaining collections.
The Results
127
Inaccurate Items Removed
+143
Credit Score Increase
$45K
Saved on Mortgage Interest
6 mo
From First Filing to Resolution
Final score: 681 — mortgage approved at a competitive rate within 30 days of completion.
"I'd spent two years trying to fix this myself and got nowhere. Dr. Howard found violations I didn't even know to look for. Six months later I was signing closing documents on my first home."
M. Richardson · Atlanta, GA
About Dr. Howard
You deserve an advocate with real credentials.
Dr. Pamela D. Howard founded Veritas Credit Advocacy Group because she knows from the inside exactly how the credit system works — and how it can be fought.
She holds a Ph.D in Law, a paralegal degree, and is a published author of two books on financial literacy and consumer empowerment. She has authored a legal curriculum and a foreclosure defense guide, and has deep institutional experience in financial infrastructure, governance, and consumer advocacy.
When Dr. Howard reviews your credit file, she's not running it through software. She's reading it the same way she'd read a legal brief — looking for every inconsistency, every violation, and every angle of attack.
"That is the Veritas difference."
Meet Samatha Bostic
Dr. Howard's business partner.
Samatha Bostic is the business partner of Veritas Credit Advocacy Group, bringing a shared vision for consumer empowerment and a relentless commitment to client success.
Together with Dr. Howard, she co-leads the firm — overseeing operations, client strategy, and the day-to-day advocacy work that turns disputed credit files into restored financial reputations.
Samatha's sharp eye for detail and deep understanding of the credit dispute process ensure every file is thoroughly documented, every deadline is met, and every client feels heard and supported from intake to resolution.
"Every client deserves someone in their corner."
Get Started
Start with the truth about your credit file.
Book your free 20-minute consultation with Dr. Howard. We'll review one bureau together, identify two or three key issues on your file, and tell you exactly what we can do — with no obligation to move forward.
No sales pressure. No inflated promises. Just honest analysis from someone who knows what she's looking at.
Book My Free Consultation →Consultations available via phone or video. Remote clients welcome nationwide.
FAQ
