This confidential screening helps us determine whether you may qualify for additional federal protections under the Debt Bondage Repair Act (DBRA).

At PayAfterDeletion, we already challenge every negative credit item because it is inaccurate, incomplete, or violates the Fair Credit Reporting Act (FCRA). You always have these rights — with or without DBRA eligibility.

The DBRA simply gives us access to extra layers of protection, including faster timelines for correcting certain harmful credit items. Some clients benefit from DBRA because it can speed up solutions we are already pursuing under federal credit law.

This screening is the first step to see whether these additional protections might apply to your situation.

Your final eligibility is always determined by a federally authorized organization of your choice — and DBRA eligibility never requires proof, documents, or evidence at any stage.

One benefit under the DBRA is the potential permanent removal of certain qualifying debts within 28 days after the credit bureaus receive notice.

These services are provided as part of your support as a PayAfterDeletion client.