How It Works


Step 1: Send Us Your Credit Reports

Our credit consultant will contact you to discuss your credit situation. Next, your case manager will provide you with detailed instructions on how to obtain your credit reports from all three of the major credit bureaus. Once you obtain your credit reports, we will provide instructions on how to forward them to us. When we receive your credit reports we will examine each of the reports and present a custom "plan of action".

Step 2: Select Items To Dispute

Once your credit reports are received, our staff enters all the negative information into our databases. Next, your case manager will contact you to select your disputes. You will indicate which items you deem to be inaccurate, misleading, or unverifiable. We will dispute those items.

Step 3: Unleash The "Credit Hounds":

We begin the dispute process using our large number of credit report repair strategies and experience to challenge negative items directly with the credit reporting agencies. Depending on the number of negative items on your credit reports, this step will be repeated until all the items are removed.

Step 4: Put Your Feet Up And Relax

The credit reporting agencies, by law, have 30 days to investigate your dispute. After this time, they must update your credit report and send a copy of your updated report to you. On average, it takes 45 days from the time we send the dispute/s and the time you receive an updated report. Once you receive a response, make a copy and send us the original. This cycle will repeat until all items are removed to your satisfaction.

Learn What it Costs Long-term to Have Poor or Mediocre Credit

Here is an example of exactly how much a credit score can matter. Let’s examine how these numbers affect two friends, John and Kate:

Credit Cards  
Credit Score750650
Interest Rate9.90%18.4%
Annual Interest$792$1,592
Lifetime Interest$39,600$79,600
Kate's Penalty $40,000

Auto Loans  
Interest Rates5.00%8.0%
Monthly Payment$377$406
Interest Per Load$2,646$4,332
Lifetime Interest Paid$21,166$34,653
Kate's Penalty $13,487

Mortage 1 ($350,000)  
Interest Rates5.50%7.375%
Monthly Payments$1,130$1,372
total Interest Paid (10 years)$208,808$297,040
Kate's Penalty $88,232

Mortage 2 ($200,000)  
Interest Rates5.50%7.375%
Monthly Payments$1,987$2,417
total Interest Paid (10 years)$174,750$243,020
Kate's Penalty $68,261

Kate’s total penalty for poor credit? More than $ 278,241!

Because more of Kate’s paycheck went to lenders, she had less for other goals.

Learn The Benefits of Having a Good Credit Score

Low interest rates on credit cards and loans.
The interest rate is one of the costs you pay for borrowing money and, often, the interest rate you get is directly tied to your credit score. If you have a good credit score, you’ll almost always qualify for the best interest rates and you’ll pay lower finance charges on credit card balances and loans. The less money you pay on interest, the more you have for everything else including repaying your balance.
Better chance for credit card and loan approval.
With a shaky credit history, you’ll probably avoid making new credit card or loan applications because you fear you’ll be turned down. Having an excellent credit score doesn’t guarantee approval – because lenders still consider other factors like your income and debt – but it does give you a very good chance of being approved. When you decide to apply for a credit card or loan, you can do it with confidence.
More negotiating power.
A good credit score gives you leverage to negotiate a lower interest rate on your credit card or a new loan. If you need more bargaining power, you can refer to great offers you’ve received from other companies based on your credit score. However, if you have a low credit score, creditors typically won’t budge on loan terms and you may not have the freedom to shop around.
Get approved for higher limits.
Your borrowing capacity is based on your income and your credit score. One of the benefits of having a good credit score is that banks are willing to let you borrow more money because you’ve demonstrated that you pay back what you borrow on time. You can still get approved for some loans with a bad credit score, but the amount will be limited.
Easier approval for rental houses and apartments.
More landlords are using credit scores to screen tenants. A bad credit score, especially if it’s caused by a previous eviction or outstanding rental balance, can severely damage your chances at getting into an apartment. A good credit score saves you the time and hassle of finding a landlord who’ll overlook damaged credit.
Better car insurance rates.
Add auto insurers to the list of companies that use a bad credit score against you. Insurance companies say that people with bad credit tend to file more claims and these people are penalized with a higher insurance premium. With a good credit score, you’ll pay less for insurance than similar applicants with lower credit scores.
Get a cell phone on contract with no security deposit.
Another drawback of having a bad credit score is that cell phone service providers may not give you a contract. Instead, you’ll have to choose one of those pay-as-you-go plans that have more expensive phones. People with good credit avoid paying a security deposit and can get hundred-dollar discounts on the latest phones by signing a contract.
Avoid security deposits on utilities.
These deposits are sometimes $100 to $200 and a huge inconvenience when you’re relocating. You may not be planning to move soon, but a natural disaster or other unforeseen circumstance could change your plans. A good credit score means you won’t have to pay a security deposit when you establish utility service in your name or to transfer service to another location.
Bragging rights.
Because of all the benefits, a good credit score is something to feel good about, especially if you've had to work hard to take your credit score from bad to good. And if you've never had to experience a bad credit score, keep doing what it takes to keep your good score.

Learn what we can do for you

We can help educate client to remove questionable negative items, by removing them, your credit score will rise like a star.