A clear path from report to results
No mystery, no fine print. Here's exactly what happens from online enrollment to a credit report that reflects the truth.
Four phases, one goal
Each phase builds on the last — and you're never left guessing what's happening.
Enroll Online
Choose your plan, enter your details, and sign your agreement — entirely online, no phone consultation required. Once enrolled, we pull your full reports from Equifax, Experian, and TransUnion.
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- All 3 bureaus reviewed
- Item-by-item audit
- Personalized action plan
Strategic Disputes Filed
Our experts craft tailored dispute letters and debt validation requests under FCRA and FDCPA protections. Each item gets the right challenge — not a generic form letter.
- Custom dispute letters
- Debt validation requests
- Re-dispute on every denial
Score Building
As inaccurate items are addressed, we coach you on utilization, tradelines, and healthy habits to support a stronger credit profile over time.
- Utilization guidance
- Tradeline strategy
- Healthy credit mix
Monitoring & Reporting
You get real-time alerts and a transparent dashboard tracking every dispute and every change. You always know exactly what we're doing and where you stand.
- Live progress dashboard
- 3-bureau monitoring
- Monthly status reports
What to expect and when
A realistic look at how progress typically unfolds. Every file is different, but here's the rhythm.
- Day 1
Enrollment complete — we pull your full reports.
- Day 5
First round of dispute letters filed with all 3 bureaus.
- Day 35
Bureaus respond to the first round of disputes.
- Day 45
Second dispute round targets remaining items.
- Month 3
Progress review and strategy adjustment.
- Month 6
Comprehensive review & long-term strategy check-in.
Dedicated advisor
A named expert handles your file end to end — reachable through your client portal.
Real people, real letters
Every dispute is hand-crafted by a trained analyst, not auto-generated.
Cancel anytime
No long lock-in. Stay because you're seeing results, not because you're trapped.
Start your enrollment online
Choose a plan, enter your details, and sign your agreement — entirely online, no phone consultation required. We get to work and keep you updated in your client portal.
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