How it Works

Let us show you four simple steps to improve your credit score. LEARN MORE!


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How it Works

Ever since the Fair Credit Reporting Act made credit repair possible, abusive creditors have been working to make it complicated and difficult. We draw upon our experience to fight for our clients. Using our developed tools and strategies, we make credit repair simple and effective. Repairing your credit report ultimately helps improve your credit score, saving you thousands of dollars with credit cards, mortgages, car loans, and several other credit-dependent purchases.

Step 1: Fill out a few forms & forward your credit reports to us.
After filling out a few forms to provide your personal information, you will begin by forwarding to us your credit reports from the three major credit bureaus (TranUnion, Experian, Equifax). If you do not have your reports, we can get copies for you. With each repair cycle, you will receive updated reports from the bureaus. It is important to forward each updated report to us so we can track which items were deleted.

Step 2: Choose which items to dispute.
Once your credit reports are received, our staff enters the information into our database. We will then work with you to determine which items you would like to dispute.

Step 3: Your disputes are reported.
We begin the dispute process by drawing upon our vast arsenal of credit report repair strategies to challenge questionable items directly with the credit bureaus. Depending on the number of questionable items on your credit reports, this step will be repeated for each subsequent loop through the cycle.

Step 4: Enjoy your new and improved credit reports.

The credit bureaus 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 us the original. We will then continue to dispute items that are still remaining.