How it Works

Step #1:

You will be required to provide us with your credit report from all three credit bureaus from IdentityIQ. The credit monitoring service offers 7-day trial for $1. After the trial period, you will be charged $24.99 per month. We require our clients to maintain the credit monitoring service for the duration of the program to gain up-to-date and accurate credit reports as well as identity theft protection. We will provide you with a deep analysis of your credit report and spotting all inaccuracy and errors. Then, we will review any other challenges that are negatively impacting your score and provide you with specific steps for improvement. Next, we will give step-by-step guidance on how to rebuild and restore during the process.

Step #2:

Once you agreed to enroll into our credit improvement program, we will load all the inaccurate, obsolete, and unverifiable information into our system, and begin to challenge questionable information with the credit bureaus, creditors, and collection agencies. Once the dispute letters are ready, we will send them out to the furnishers on your behalf. By the law, the bureaus have 30 to 45 days to respond and update your reports.

Step #3:

You will begin to receive correspondences from the credit reporting agencies, and possibly from some creditors. There documents should be forwarded to our 24/7 online portal. Every 30 days, we will analyze your reports for any updates. If there are any changes, we will update your file accordingly. If the item comes back verified with no change, we will then follow up with the credit agencies and/or data furnishers to try to get a resolution on why the inaccurate information is still on the credit report.

Step #4:

Once the updated credit reports come back from the bureaus, we will analyze the updates for any changes to the inaccurate, misleading and unverifiable information. If there are changes, we will 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 will then follow up with the credit bureaus or the furnishers to try to get a resolution on why the inaccurate information is still on the credit report.

Our goal is to help consumers with less than perfect credit to achieve the lifestyle they deserve through financial literacy with our credit improvement program.

We Guarantee Results in 120 Days or Your Money Back!