How we can help you
Once you and your credit coach decide on plan that works best for you, we do most if from there. You may have some tasks along the way, but we make the process simple.
Make sense of your credit
The first and most important part of our process is figuring out the fastest, most effective way to safely reach your goals.
You’ll be assigned a personal credit coach and together, design a plan perfectly tailored to your personal circumstances and goals.
We’ll look at
Settle Outstanding debt
It’s just a reality that some collection accounts are going to be verified as accurate and cannot be removed.
But, most collectors are willing to settle, and sometimes for pennies on the dollar. Some will even negotiate a pay for deletion.
If a collection account is accurate, we can negotiate settlements on your behalf, and we’ll try and negotiate a pay for deletion.
More about our debt settlement services »
Frequently asked questions
Is pay for deletion guaranteed?
Nobody is obligated to settle with you for anything less than the amount that is owed. However, once it’s at the stage of collection, most do. Especially if it’s past your state’s statute of limitations
Will being added as an authorized user help my credit?
That depends on your personal credit profile, and the card you’re being added to. In most cases, yes, it does help as long as the card is in good standing with a good utilization ratio.
How do I reach my credit coach?
You can either email your coach directly, or schedule a consultation with him or her.
When you pull my credit does it hurt my score?
No. We use annual credit report which does not impact your credit score.
What's the fastest way to improve my credit score?
Impossible to say without seeing your credit. However, in most cases reducing your utilization rate will have an almost immediate impact.
What if I don't want to settle any of my accounts?
Debt settlement is included free with our program. However, it is completely optional.