How it Works

Step One

You will be required to provide us with your credit reports from all three credit bureaus, Equifax, Transunion and Experian. We use to pull all three of your credit reports because of the ease of use and their $1.00 trial for 7 days. They also offer a lot of additional features if you stay on with their membership.

Step Two

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 improving your credit from start to finish. Our goal is to help consumers with bad credit move through our credit services program quickly and efficiently.

Step Three

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 credit progress using our online portal. We focus directly on improving your credit from start to finish.

Step Four

Once the updated credit reports come back, we analyze the updates for any changes to the 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. Each individual case is different and depending on the number of negative items on your credit reports, this step will be repeated for each round of disputes.


  • Late pays
  • Tax Liens
  • Inquiries
  • Short Sales
  • Collection Accounts
  • Identity Theft
  • Charge-Offs
  • Sold Accounts
  • Authorized Users
  • Bankruptcies
  • Outdated Items
  • Medical Bills
  • Repossessions
  • Foreclosures
  • Duplicates
  • Child Support