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 Privacyguard.com to pull all three of your credit reports because of the ease of use and their $1.00 trial. They also offer a lot of additional features if you stay on with their membership. If you don’t like Privacy guard, you can pull your credit reports from the any provider that you choose.

Step Two

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 furnishers 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. Our goal is to help consumers with bad credit through our restoration program.

Step Four

Once the updated credit reports come back from the furnishers, 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 or the furnisher to try to get a resolution on why the inaccurate information is still on the credit report. We focus on fixing your credit from start to finish. Our goal is to help consumers with bad credit through our credit repair and restoration program.

FAQs

Why Should I Choose Your Company?

We don’t only work to remove the negative, inaccurate information from your credit report. We also give you the information you need to increase your credit score.

How Long Does It Take Too See Results?

You can expect to see results in as little as 30 days, with it taking up to 90 days in some cases.

How Much Will I have To Pay?

You will need to pay a credit analysis fee of $79.00in the beginning. During this process, we will give you a detailed report that explains what is lowering your credit score and what can be done to increase the score. If you decide you like the direction outlined, the fee is $59.99 per month. You are not obligated to sign up and you can cancel your service at any time. You are not charged a fee until work is performed.

What Will I Get If I Sign Up For The Program?

Once you complete the sign-up process, we will begin working on your credit report to remove any inaccurate information. The program also provides you with the information you need to keep working on raising your credit score.

How Long Will I Need Too Stay In The Program?

Most people find a period of at least three months is necessary while some stay in for up to six months to effectively increase their score.

How Will You Get My Credit Report?

There are a few different ways we can do this. You can sign up for something like Privacyguard.com, which is a service that gives you access to all of your credit reports. You give the login information to us and we take it from there. Another option is for you to mail us hard copies of your report. You can also upload them to an online portal and send them to us that way.

Is a 3 in 1 Report Better?

Yes, it allows you and us to see what all three of the major bureaus have reported in a single report.

Can You Work On More Inaccurate Account At A Time?

We can challenge as many as you want at a single time, the choice is yours.

Who Qualifies For The Family Plan?

Anybody who lives in the same household can get the family plan. You do not have to be married.

Who Will You Share My Information With?

Your personal information will not be shared with anyone. The only time information is shared would be with an affiliate partner who is a part of the dispute process.

Will Your Service Help Me Get A Home Loan?

By increasing your credit score with the removal of inaccurate information, you will have a better chance of being approved for a home loan.

Do You Dispute With Collection Agencies And Creditors?

Yes, when necessary we will dispute inaccurate information with collectors and creditors.

Can I call if I Have more Question?

You sure can by dialing (217) 4MY-FICO Or fill out a form on the website and will get back to you.

Can I Start Now?

Yes! Call (217) 4MY-FICO or fill out the form on the website and someone will be in contact with you within 24 hours.