Our Process

Did you know that closing an account doesn’t make it go away? It may remain on your report even after it is closed and factor into your credit score.

We demand validation and verification of derogatory information using the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, the Fair and Accurate Credit Transaction Act and the Health Insurance Portability and Accountability Act. These five laws have been established to protect consumers’ credit reports. Creditors and credit bureaus are legally obligated to produce documented evidence within a reasonable amount of time, generally 30 days, to back the claims they make. If they cannot validate their claims, they must promptly remove any undocumented information from the consumer’s credit report.

1. FREE CREDIT REPORT EVALUATION

   Your credit consultant will look at your TransUnion, Experion and Equifax credit reports and go over them with you line by line. (If you don’t have your current reports we can pull them instantly for you.)

2. CUSTOMIZED CREDIT REPAIR PLAN

   If you decide that you would like to proceed with our program, your credit consultant will put together a plan of attack to get your negative and incorrect items removed from your credit reports in accordance with the FCRA, HIPAA, FCBA and other consumer laws.

3. SEND ANY CORRESPONDENCE TO US

   You will begin to receive correspondence from credit reporting agencies within the first 30-45 days. Simply send any correspondence to us using the labels we provide to you in your welcome packet.

4. VIEW YOUR PROGRESS ONLINE

   You can monitor our efforts and success on our website. You will be provided a client login and pin code. You will also have access to our credit education programs and webinars. You can rest assured knowing that everything possible will be done to help you reach your credit goals.

5. ENJOY YOUR RESULTS

   We have a dedicated staff able to assist with your future financial needs. We can provide advice, and information on how best to manage your current credit to maximize the impact to your qualifying ability. We also have many avenues to help you get the lines of credit you want/need!

• How Credit Restoration Works
• What We Do
• Our Process
• How Much Does It Cost?
• Our Guarantee
• Questions + Answers
• Credit Myths

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