How the credit building process works

Consultation and strategic plan

After your consultation, you submit payment details. You then get instructions by email and text message about the next steps.

Sign your agreement

You sign an agreement with us to move forward with enrollment. Clients are enrolled month to month, and you can cancel your membership at any time.

A full analysis and action plan is sent to you.

Set up your identity monitoring

Our credit repair professionals track and monitor your credit disputes regularly, so we provide consumer data reports to track and build your credit.

You track your credit and monitor for identity fraud in one place.

Proof of identity

Upload copies of your identification in the secure client enrollment form: a driver's license, passport, tax return, W2, and proof of address. This completes enrollment.

Start the dispute process

We prepare your account and begin disputes to correct negative items that affect your credit.

Each letter is personalized for specific accounts to get the best results.

Waiting period

Under the Fair Credit Reporting Act, a creditor has 30 calendar days to respond to a dispute.

The credit bureaus work with your creditors and collectors to investigate each disputed account. We keep in contact by email and text to answer your questions.

Receive new reports and scores

We re-evaluate your new reports and scores and plan the next steps. The credit bureaus also mail you the results of their investigations.

There is no guarantee that every item is removed with every dispute. We work to clear up your credit reports as much as possible in the shortest time.

Follow up and repeat

We repeat the process, follow up with credit reporting agencies and creditors, and send debt validation letters to remaining debt collectors.

We continue month after month until you reach the result you want. Contact us through your secure portal, or call or text 888-853-3880.

Begin adding new credit

After disputes are settled, use this time to rebuild your credit history with new credit.

We advise you on which starter credit cards to apply for.