Xl Credit will analyze and come up with a restoration plan with each client after an analysis is done. Upon completion our company will begin the dispute process of all your inaccuracies to the 3 credit bureaus Equifax, Experian, and TransUnion to include: Incorrect address, employers, names, late payments, missed payments, judgements, foreclosures, repossessions and many more things. We also educate our clients on why credit repair takes time.