How It Works
A clear, step-by-step process
Every stage is documented so you know what to expect, what we need from you, and what cannot be guaranteed.
- 1
Consultation
We talk through your goals, your current situation, and what the process can and cannot do.
- 2
Service agreement and disclosures
You receive written disclosures, including your consumer credit file rights, before anything begins.
- 3
Credit-report collection
You provide access to or copies of your credit reports from the credit-reporting companies.
- 4
Report analysis
We organize accounts, balances, dates, inquiries, and personal information and note anything that looks inconsistent.
- 5
Client verification
You confirm what is accurate and what you believe may be inaccurate or incomplete. Your knowledge drives the plan.
- 6
Personalized action plan
You receive written recommendations covering both reporting concerns and credit-building steps.
- 7
Dispute preparation where appropriate
Where information appears inaccurate or incomplete, we prepare documented, individualized correspondence.
- 8
Response tracking
Responses, investigation results, and deadlines are logged and shared with you as they arrive.
- 9
Progress review
We review what changed, what did not, and what makes sense next. Results vary in every case.
- 10
Credit education and next steps
Ongoing guidance so your habits continue supporting your profile after the review.
What we need from you
- Valid identification
- Proof of address
- Credit-report access or uploaded reports
- Relevant statements or correspondence
- Honest answers regarding each account
- Supporting documentation when available