How It Works
Phase One:
You will be required to provide ongoing credit monitoring. We have partnered with a company called identity IQ for all three credit bureaus: Equifax, Transunion and Experian.
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Phase Two:
We analyze your credit report spotting all inaccurate information. Then we look at the various factors that has caused, or is causing your credit score to fall. We will provide you with action based instructions to help get your score back up. We will guide you on how to rebuild and restore your credit. Our goal is to help you the consumer change your bad credit into good credit through our restoration program. We focus on fixing your credit at every phase, from start to finish.
Phase Three:
We upload all of the data on inaccurate, misleading, and unverifiable information off your credit report into our system. We then begin challenging questionable information with the credit bureaus, creditor’s, and collector’s. We will draft the dispute letters, send them out to all furnishers and wait 30 to 45 days for updates. You will be able to track your credit repair progress using our online portal. We focus on fixing your credit at every phase, from start to finish.
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Phase Four:
Once the updated credit reports comes back from the furnishers, we review and analyze the updates for the changes to the inaccurate, misleading, and unverifiable information. With the changes we then update your file and move on to the next phase. If there were any items that came back with no changes, we will follow up with the credit bureaus or the furnisher to try to get a resolution on why the inaccurate information is still on the credit report. We focus on fixing your credit at every phase, from start to finish.
Phase Five:
While restoring your credit we will also provide credit tips, education and recommendations to improve and maintain your credit even after you have achieved your desired score and graduate our program.
