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Our Process

1. ENROLLMENT

We’ll work with you to set up your client portal where you’ll be able to keep track of everything we’re working on and access financial management tools. We’ll also get your credit monitoring set up and your first credit reports and scores pulled.

2. Analysis

Once you are enrolled in our program, we conduct an in-depth, line by line Credit Analysis of your 3 bureau credit report, including all accounts, balances, utilization, credit mix, debts, and factors impacting your credit scores. We then develop a fully customized plan based on your credit file that puts you on track to reaching your credit and financial goals. We send you a complete breakdown of the Credit Analysis and Action Plan and discuss this in detail during your New Client Credit Discovery Call.

3. Restoration

Under various consumer protection laws, we demand validation and verification of potentially erroneous information from the credit bureaus, creditors, and collector agencies to begin your credit restoration process.  And depending on your goals, we’ll work together on your budget, paying down debt, building credit and connecting you with partners so you can reach your goals.

4. Results

Our experienced experts take care of the work for you. Using a proven system that will get you the results you want in the fastest time possible, we do the work so you can sit back and enjoy the results! We just ask that you send us any correspondence you receive from creditors or the credit bureaus so we can respond accordingly.  We will hold your hand until you are able to qualify for the goal you’ve set.

But why work with us?

  • Having great credit is more important than ever.
  • We are a Nonprofit company supporting low-income communities.  20% of every service fee goes into our Sponsorship Fund.
  • We are very experienced with consumer and mortgage credit.
  • We will be intimately involved with your credit repair experience and will be there with you every step of the way.
  • Every client is different and we have many programs to fit your needs.
  • Credit education and correction is legal and the law is on your side. We help and guide you from start to finish and we prepare all of the documentation for the various credit agencies.
  • We have attorneys at the ready for any legal issues or questions.
  • Our fees are reasonable and there are NO long, binding contracts. We help you to work with your files until it is done.

Full Service Credit Improvement

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Personalized Dispute Options to Fit Your Exact Credit Repair Needs.

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An Experienced Case Analyst and Case Advisor Working Personally With You Throughout The Process

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Custom Dispute Letters Submitted On Your Behalf.

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Access to Your Case Status and Updated Information – 24 Hours A Day / 7 Days A Week.

We have an excellent track record in helping clients improve their credit scores:

If you have a better credit score you could potentially have a better interest rate. Just an increase of 20 points in your credit score can mean a difference of tens of thousands of dollars in interest saved on an average priced home and hundreds of dollars of interest saved on car payments and credit cards. We have a proven track record of helping clients to raise credit scores quickly and effectively to give you better purchasing power.

Average Client’s Credit Score Increase in 6 months:

60 points

Average Score Increase in 35 days:

10 points or more 93%

20 points or more 71%

50 points or more 25%

100 points or more 15%

Average Score Increase in 90 days:

10 points or more 97%

20 points or more 82%

50 points or more 40%

100 points or more 25%

Our 100% Guarantee, Cancellation and Return Policy:

You are entitled to a 100% refund on all monthly fees, if:

  • You do not remove more than 25% of all the negatives worked on.
  • You have had six months from the time you retain our services.
  • You have at least four negatives on the credit report at the time of sign-up.
  • You have not used a credit-consulting agency nor attempted to repair your credit two years previous to signing up for our services.
  • You agree to send updated reports from the three credit bureaus to us within 5 days of receipt.
  • You should receive updated credit reports every 15-45 days and make us aware if updated reports have not been received.

You may cancel services at any time. Please notify us in writing 7 days before the next billing period.

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