The Process
Everything You Need To Know
This is our step by step process to get you back on track. Our strategic credit building process is essential to obtaining and maintaining a healthy credit profile.
Step One
You will be required to provide us with your credit reports from all three credit bureaus, (Equifax, Transunion and Experian). We prefer that you use SmartCredit to pull all three of your credit reports. This is because of the ease of use and their fast integration with our system. SmartCredit also offers a lot of additional features if you stay on with their service. However, If you don't like their system, you can pull your credit reports from any provider that you choose.
Step Two
Second, we provide you with a deep credit analysis of your credit report spotting all inaccurate information. We then look at the various factors that are pulling your credit score down and provide you with actionable steps to get your score back up. Lastly, we provide you with step by step guidance on how to rebuild and restore your credit. We focus on fixing your credit from start to finish.
Step Three
Third, we load all of the inaccurate, misleading, and unverifiable information into our system, and begin challenging questionable information with the credit bureaus, creditors, and collectors. Once your dispute letters are ready, we will show you how to send them out to all furnishers and wait 30 to 40 days for updates. You can track your credit repair progress using our online portal.
Step Four
Once the updated credit reports come back from the furnishers, we analyze the updates for any changes to the inaccurate, misleading, and unverifiable information. If there are changes, we can update your file and then move on to helping you with the next inaccurate, misleading, and unverifiable item. If the item comes back verified with no change, (very rare) we will show you how to follow up with the credit bureaus or the furnisher to try to get a resolution on why the inaccurate information is still on the credit report. Our goal is to help consumers with bad credit understand the whys of lenders. By educating you through our credit repair and restoration program, you will better understand the purpose of credit and ways to use it to benefit your financial growth in general.
Whats Included in Service?
We will teach you how to correct, update or remove the following inaccurate, misleading and unverifiable items listed below:
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
