How it Works

Step One: Enrollment

Complete the enrollment process. You will be required to provide us with your credit reports from all three credit bureaus, Equifax, Transunion, and Experian. We prefer that you sign up with SmartCredit, Identity IQ, or MyScoreIQ to pull all three of your credit reports because of the ease of use and their affordability. They also offer a lot of additional features if you stay on with their membership. You will complete an electronic onboarding which includes signing the contract documents.

Step Two: Client Interview / Credit Analysis

Second, we provide you with a deep credit analysis of your credit report to identify the erroneously, inconsistent, and inaccurately reporting information. We then look at the various factors that are negatively affecting your credit health and make a plan to remediate those factors. A Dispute & Challenge Plan will be developed and signed off on. It will also outline the rebuilding parallel. This information will all be discussed via your client interview.

Step Three: Credit Restoration

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 and wait 30 to 45 days for updates. We respond to updates and re-strategize as necessary. You can track your progress using our online portal.

Step Four: Enjoy Rewards

Your credit is an important segway to your future. We focus on building a better credit profile from start to finish. We love it when our clients end our program educated and able to achieve their financial or lifestyle goals.


  • Late pays
  • Tax liens
  • Inquiries
  • Short sales
  • Collection accounts
  • Identity Theft
  • Charge-offs
  • Account sold
  • Authorized users
  • Bankruptcies
  • Outdated
  • Medical bills
  • Repossessions
  • Foreclosures
  • Duplicates
  • Child support
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