A proven credit repair process
Our process works because we focus on results instead of numbers. It’s hands-on, personalized, and customized instead of automated.
We address your bad credit, your debt, and help you get new credit, instead of just targeting low-hanging fruit. In short, our process works
How our process works
With the help of your personal credit coach, designing the right plan for you is just the beginning. The majority of the credit repair process is handled by our team, while you focus on a few key tasks along the way. We strive to make the experience as seamless and easy as possible.
The first step in the credit process is a consultation, where you and your coach assess your current credit situation and determine your goals. During the consultation phase, we:
- Conduct an in-depth review of your credit, including negative and positive accounts, debt, and state laws.
- Learn about your goals, such as buying a home, obtaining security clearance, or just general credit improvement.
- Develop a strategy perfectly tailored to your specific circumstances and goals.
New credit lines
At this stage of the process, your credit should have improved with the negative information addressed. However, a good credit profile also requires positive accounts.
Based on our 19 years of experience, we have found that 80% of our clients need assistance in establishing new positive credit lines.
We will guide you through this process to help maximize your approval rate and minimize inquiries.
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.