A clear process, start to finish.
You'll always know what we're doing, why we're doing it, and what comes next. Here's exactly how your credit repair runs.
What we do, and what you do.
Free consultation & credit analysis
We go through your reports with you at no cost, identify negative items and possible errors, and get clear on what you're working toward: a home, a car, lower rates, or funding.
Your customized credit plan
We build a plan for your file: which items to challenge and in what order, how to address legitimate negatives, and how to add positive credit. You'll receive a written agreement before any work begins.
Disputes & removal process
We prepare and send disputes to the credit bureaus and, where appropriate, contact creditors directly. We handle the communication and track every response, and you can follow progress in your online portal.
Credit building & monitoring
As your report improves, we help you build positive history and keep it. Optional credit monitoring alerts you to changes and new items so nothing surprises you.
What the first 90 days usually look like.
Every file is different. Bureaus generally have 30 days to investigate a dispute, sometimes up to 45, so results arrive in rounds.
Consultation & setup
Credit analysis, your plan, signed agreement, identity documents, and monitoring set up.
First round of disputes
Disputes go out to the bureaus and creditors for the items in your plan.
Results & follow-up rounds
We review responses with you, then follow up on items that weren't corrected or verified.
Build & protect
Credit building, tradeline options if they fit, monitoring, and education to keep your score strong.
What you'll need
The credit bureaus verify your identity before they process disputes. Having these ready gets your first round out faster.
Photo ID
A current government-issued ID, such as a driver's license.
Proof of address
A recent utility bill, bank statement, or similar document.
Proof of SSN
A document showing your Social Security number for identity verification.
Current reports
Up-to-date reports, using our credit monitoring.
Items that may not belong on your report
- Accounts that aren't yours
- Incorrect balances, limits, or dates
- Late payments reported in error
- Duplicate accounts or collections
- Items past their legal reporting period
- Collections or items that can't be verified
- Hard inquiries you didn't authorize
What credit repair can't do.
No one, including you or any credit repair company, can have accurate, current, and verifiable information removed. Accurate negative information can generally stay on your report for up to 7 years, and bankruptcies for up to 10.
That's why your plan pairs disputes with credit building, so your score improves from both directions.