Requalify360

Requalify 360 is a credit restoration and consulting company in Queensbury founded by Chris Mastantuono after more than a decade in subprime auto lending, where he watched buyers turned away for what was on their credit report rather than their ability to pay. The company disputes inaccurate, outdated and unverifiable items with Experian, Equifax and TransUnion on a client’s behalf.

The process starts with a two-minute online questionnaire and a free review that has no effect on the client’s score. Items handled include collections, repossessions, charge-offs, late payments, medical bills, bankruptcies and judgments, with progress tracked month to month.

What to know

• Client relations lead Ron Monaco brings 22 years in finance.
• The company states it is fully compliant with the federal Credit Repair Organizations Act.
• It cites FTC findings that one in five Americans has an error on a credit report.
• Newer rules limiting medical debt on credit reports are part of its dispute strategy.