How It Works

First, We will need to pull your credit reports from all three credit bureaus, Equifax, Transunion and Experian. We utilize credit monitoring websites because of the ease of use and their $1.00 trial. They also offer a lot of additional features if you stay on with their membership. .

Second, we provide you with a FREE analysis of your credit report spotting all inaccurate information. We then look at the various factors that are pulling your credit score down and provide you with actionable steps to get your score back up. We then provide you with step by step guidance on how to rebuild and restore your credit. We will also be able to provide you with an estimated timeline for graduating the program. Not, all credit qualifies for credit repair. Some items cannot be removed and we will inform you immediately. In order to qualify, we must have enough items that can be removed to make a meaningful difference in your score. If you do not qualify, we will explain why and give you advice at no charge of how to best boost your score. If you qualify, we move to step three.

Third, we load all of the inaccurate, misleading and unverifiable information into our system, and begin challenging questionable information with the credit bureau, creditor, and collector. Once the dispute letters are ready, we send them out to all furnishers and wait 30 to 40 days for updates. You can track your credit repair progress using our online portal. We focus on fixing your credit from start to finish. Our goal is to help consumers with bad credit through our restoration program.

Once the updated credit reports come back from the furnishers, we analyze the updates for any changes to the inaccurate, misleading and unverifiable information. If there are changes, we update your file and then move on to the next inaccurate, misleading and unverifiable item. If the item comes back verified with no change, we follow up with the credit bureaus or the furnisher to try to get a resolution on why the inaccurate information is still on the credit report. We focus on fixing your credit from start to finish. Our goal is to help consumers with bad credit through our credit repair and restoration program.