Step 1

Get a Copy of Your Credit Report

We will contact the 3 major credit reporting agencies Equifax, Experian, and TransUnion on your behalf.

Why do we take this step? To make sure that your credit information is accurate, complete, and up-to-date. And to help guard against identity theft. If someone steals your identity, obtains credit in your name and fails to pay, that can hurt your credit score.

Your credit report can affect how much interest you pay on a loan, what type of loan you are eligible for if you can get one and even whether
you can get a job.

Step 2

Analyze What’s on Your Report

Once we receive your credit reports, we’ll identify areas of concern and formulate a plan of action for your particular situation to ensure that you will benefit from our services.

We’ll meet with you for a personal consultation to discuss your credit, item by item, assessing if there is any fraud on your report, and how we can begin to repair credit issues that we discover. We will let you know exactly what we can and cannot do to repair your situation.

Step 3

Dispute Information on Your Credit Report

After a thorough analysis of your report, we’ll come up with a plan of attack to repair your credit. We will go to bat for you on any unfair or inaccurate information to clean up your report as quickly as possible.

Among the accounts we will dispute for you:

• Bankruptcies
• Charge-offs
• Collections
• Defaults
• Foreclosure/Short Sale
• Fraud/Identity Theft

• Judgments
• Late Payments
• Personal Information
• Repossessions
• Tax Liens
• Inquiries

Step 4

Repeat the Process

We continue to advocate on your behalf and redispute any negative items that remain until the item has been removed, or until we reach the end of our contract, whichever comes first.  

Step 5

Move Forward!

Our goal is to set up our clients for success! With a cleaner credit history, being able to purchase a home, a car, or gain approval for a credit card becomes much more attainable.