How it Works
Step One
So we can effectively evaluate your current creditworthiness, you must provide us with your credit reports from all three credit bureaus, Equifax, Transunion, and Experian. We prefer that you use Smart Credit to pull all three of your credit reports because of the ease of use and their $4.99 trial. They also offer a lot of additional features if you decide to stay on with their membership. If you currently use a different service, you can provide them as long as they are current and have your credit scores.
Step Two
Second, we provide you with an in-depth credit analysis of your credit report spotting all inaccurate information. We then look at the various factors that pull 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 increase and maintain a favorable credit profile. We focus on improving your credit score from start to finish. Our goal is to help consumers with low credit scores through our restoration program.
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 the dispute letters are ready, we send them out to all and wait 30 to 40 days for updates. You can track your progress in real-time using our online client portal. We are committed to enhancing your credit score from start to finish.
Step Four
Once the updated credit reports come back, we analyze the updates for any inaccurate, misleading, and unverifiable information. If there are changes, we update your file and then move on to the next inaccurate, misleading, and unverifiable item. If the item comes back verified with no change, we follow up with the credit bureaus to resolve why the erroneous information is still on the credit report. We are determined to improve your creditworthiness. Our #1 priority is to help our clients restore, enhance, and maintain a positive credit history facilitated by our credit education and restoration services.
WHAT IS INCLUDED IN THE SERVICE
- 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- Outdated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