Trust the Process!

How Our Credit Repair Works

Step 1: The Credit Audit

Timeframe: 1 to 2 Business Days

We review your credit report from top to bottom to identify errors such as incorrect account codes, inaccurate dates, or even accounts that just don’t belong. During your audit we will also establish a plan to help you improve your credit with your balances, and credit mix. 

Step 2: Establish Credit

Timeframe: 1 to 2 Business Days

Let us introduce you our preferred banks and lenders who specialize in helping consumers with little or less than perfect credit. This step is best done at the beginning of the credit repair process so you have time to establish a consistent payment history. 

Step 3: Dispute Process

Timeframe: 30 to 45 Days Each Round

By leveraging the Fair Credit Reporting Act, Fair Debt Collections Practices Act, Fair Credit Billing Act, and other consumer protection laws we investigate every derogatory account on your credit. During the Dispute Process we work to remove these accounts that are holding back your credit scores. 

Step 4: Dispute Results

Timeframe: 30 to 45 days

Every month we review your credit monitoring reports to see what accounts have been removed, how the bureaus responded, and if there is any new information reporting. These results are logged into your online portal and you are notified immediately of your results!

Step 5: Re-Investigation

Timeframe: Depends on Credit History

When items on your credit report still have errors reporting we escalate the dispute process to challenge the items at a deeper level. These disputes are specific to the responses from the previous disputes and are very aggressive. 

Step 6: Graduation

Timeframe: Depends on your credit history.

After we have completed the dispute process in it’s entirety you are ready to graduate our services! This is an exciting time for us and you. Your scores should be soaring by now and you will be ready to take the next step in achieving your dreams. You will receive a completion certificate email. 

Frequently Asked Questions

Can You Help Me Build Credit?
Yes! Your audit includes personalized advice geared toward your credit situation. If we feel you need additional lines of credit or better lines of credit, we will include sources of credit lines that will benefit you in my recommendations, and we’ll be sure to explain your options thoroughly.
How Long Will it Take to Raise My Credit Score?
We are unable to tell you exactly how long it will take. This is because credit scores are based on 5 factors including payment history, amounts owed, length of credit, new credit, and types of credit. Most importantly, YOU play a huge role in your success during the program.
How Much Will My Credit Score Increase?
Your credit scores are based on 5 factors including payment history, amounts owed, length of credit, new credit, and types of credit. Since there are so many different!
How Long Does Credit Repair Take?
You can start seeing results in as little as 60 days.

Don't Let Credit Hold You Back Any Longer

Take the first step to your better credit today!