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.