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 prefer that you use Smartcredit to pull all three of your credit reports (also known as 3B). It is mandatory you stay enrolled with Smartcredit while your credit is being repaired.

  • STEP 2

    Second, 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 fixing your credit from start to finish. Our goal is to help consumers with bad credit through our restoration program.

  • STEP THREE

    Third, we load all of the inaccurate, misleading and unverifiable information into our system, and begin challenging questionable information with the credit bureau, creditor, and collector. 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 repair progress using our online portal. We focus on fixing 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. If the item comes back verified with no change, we follow up with the credit bureaus to try to get a resolution on why the inaccurate information is still on the credit report. We continue to pursue credit bureaus until we get a desired resolution. 

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