How Does Our Credit Repairing Process Work


Expert Consultation

Everyones situation is unique. We take the time to thuroughly discuss and design a custom plan of action for your specific credit repair needs. After signing up, we start with ordering Your Credit Reports from all 3 bureaus and then mail you our Welcome Kit. Please fill out and sign all documents and return them as soon as possible to avoid delays.

We then schedule your initial credit education consultation session. During this call we review your Credit Reports and then identify and import all negative items into our action database.


Clear Communication

Its time to question and eradicate false items on your credit report. The process takes a little while but its important to keep you informed along the way. We provide monthly updates while improving your credit.

We start the process with sending you a copy of all three credit reports along with a dispute sheet. This dispute sheet will have pre-formatted response options to choose from on why the negative items are questionable. Please apply a suitable dispute to all of the questionable items on your report.


Providing Guidance

We provide you with the best options and approach to improve your credit. Still at times it is necessary to build up positive credit or reduce your existing debt.

Once we receive your report with the disputes, we start the credit repair process by utilizing various credit repair strategies to directly challenge questionable items on your reports with the credit bureaus. This step is repeated several times, with each cycle tackling a few questionable items and disputes on your credit reports at a time.

As we are working hard to dispute your items on your reports, you should receive updates regarding progress from the credit bureaus. It is essential that you forward each update received to us in timely fashion, so we can track which questionable items have been deleted.


Defend Your Credit

We are here to generate positive results. It is our job to help defend your right to having the best credit report possible by law.

The credit bureaus by law have 30 days to investigate your dispute. After that, they must inform you of their results and send you a copy of your updated report. It usually takes 60 days from the day we send a dispute to the day you receive an updated report. When you receive a response from a bureau, make a copy of the updated report for your records then send the original to us. With this information we will update your account and send you a new progress report on your credit repair project. These progress reports will be delivered to your e-mail every other week.

This 4 step cycle sometimes needs to be executed multiple times until the questionable items have been removed and as each new cycle begins, hopefully there will be less questionable items on your credit reports. Still, it is important to know that at times this requires taking legal action to remove inaccuracies.