HOW IT WORKS

Our credit repair program has been carefully designed to produce the optimal results as efficiently as possible. We are going to do everything in our power to make your experience with us happy, satisfying, and above all, productive.

Do you want to know why our outstanding credit repair process is the most effective in the business? Truly effective credit repair involves a mastery of many elements - including the laws that govern the credit reporting process, the FICO scoring model, and lender guidelines. We put it all together, and you get the results you need.

If we could leave behind one legacy, it would be this: that we made people realize paying for credit repair services and getting a generic dispute letter sent on your behalf, is a complete waste of money.

Generic never works, and disputing without knowing whether you have a legitimate case is a waste of your money. You won’t find that here.

Consultation and Analysis:

We take a hard look at your credit report. One of our guarantees is that you’ll walk away from that consultation knowing more about your credit than you ever did before. You’ll also know just what needs to be done to improve it, and we’re betting you’ll be pretty glad we’ll be there to see you through it. Read More

Assessing the Damage

One of our virtues is that we abandon the idea that a generic dispute letter is the answer to your credit problems. It isn't. It doesn't work.

Since we're unwilling to take the ineffective route, we roll up our sleeves and get to work. The first place we start is taking a good, hard look at your credit report.
It's alright. We’re professionals. There's nothing we haven’t seen here before.

Once we understand the full extent of your credit problems, one of two things happens:

The first is good news. Your credit problems aren’t nearly as bad as you thought they were. We help you figure out a plan to turn your current issues around, establish new lines of credit, and get you back up and running, sometimes in less than six months.

The second is bad news. Your credit problems are as in trouble as you think they are. That's okay. We've helped others just like you. Some issues we can fix almost immediately and some take longer or need a little extra effort. We tell you that upfront, so that you don't live on false hopes.

Obviously, we’re gunning for the the good news. But it's important to understand that whether we have good or bad news for you after our initial analysis, we don't leave you without a plan of action.

You’ll have a personal credit planner assigned to you, and together - you're not alone anymore - the two of you will build a full, personalized strategy that you have confidence you can follow.

Everyone walks in our doors freaking out about their credit. And everyone walks out again feeling better, like they’re taking back control. We’ll show you that your credit, no matter how bad, is something you really can manage.

That’s step one. You’re not alone anymore, and you’ve got a plan of action. Click here to see what comes next.

In-Depth Credit Validation:

Instead of sending the generic dispute letter to all the credit bureaus, we go through your credit report line by line to find any inaccuracies that you may not have noticed. Those minor errors make huge dings in your credit – and they don’t have to be there. We’ll find them, and we’ll correct them.

Fixing The Fixable

Your credit problems can’t be solved by dispute alone. What we haven’t told you yet is the flip side of that coin.

Over 70% of Americans have inaccurate information on their credit reports. That inaccurate information messes up credit scores big time.

The best way to repair your credit is to start with the obvious. We go through your credit report line by line to make sure everything on it is completely accurate and valid.

Often, it’s not. In many cases we’ve seen, creditors mess up. Some debt is inaccurately billed to you, and you actually owe less than your statement says you do.

Yes, you heard that correctly. Plain old grunt-work and careful attention saves the day. It’s not glamorous, but it gets the job done.

Fixing problems on your credit report is a lot like doing your taxes. Sure, you could do it yourself. Practically, you’re a lot better off having a professional take care of it for you. We see problems and solutions that you wouldn’t necessarily notice, simply because we’ve been doing this for years and know exactly what to look for.

We find items like inaccurate late pays, collections, charge-offs, and re-aging. (Don’t know what those are? Aren’t you glad we do?). If you’ve had these common problems on just a few accounts, corrections can actually improve your rating. We've seen some improve by as much as 50 to 100 points.

By the time we’re done casting an eagle eye over your report, you’ll know that even if it’s not looking great yet, it’s at least accurate.

Establishing New Credit

You may need to establish some new lines of credit, but you may not know where to start, considering your poor history. You may also be worried that you’ll accidentally establish a new line of credit that ends up being just as damaging as the old ones.
We’ll make sure that doesn’t happen by advising you on the right lines of credit to open considering your history and your financial status.

Managing Your New Credit

Remember how you got here in the first place? It wasn’t because you were a bad person or even a foolish one. It was simply because your credit got out of control.
We don’t want you to deal with these same problems six months down the line, so we teach you how to manage your brand-new credit properly. We’ll figure out a plan that works for you so that you never backslide again.

Identity Theft and Credit Insurance

Just to make doubly sure nobody else has the power to rip control of your credit away from you again, we’ll help you set up a credit and ID theft monitoring system. If you’re a victim of identity theft, we make sure you know it’s happened and help you put the lockdown on all your systems so your credit doesn’t take a huge hit.

That’s our system. Sounds pretty good, doesn’t it? It’s a lot more thorough than an instant-fix dispute letter, and it works much better, too. We know because our customers keep telling us [testimonials page] that they’re still doing great and they haven’t slipped back into destructive habits.

That’s what we want to hear. Contact us today and we’ll start you on the road to recovery.