How It Works
From your first message to your monthly updates
Four steps. For each one, here's what we do, what you do, and what to expect.
01
Step 1 · Chat
Tell us your goals
Message us on WhatsApp or by email: renting, buying a home, financing a car, or just understanding your report.
What we do
- We answer your questions by chat or email.
- We explain, in plain language, what the process can and can't do.
What you do
- Tell us what you're working toward.
- Ask anything, in English or Spanish.
02
Step 2 · Enroll online
Sign up in minutes
Read the disclosures, sign your agreement online and connect credit monitoring. You're charged only after each month's work.
What we do
- You get a written agreement and disclosures, including your Consumer Credit File Rights, before any work begins.
- You can cancel at no cost within 5 days of signing; your agreement shows the exact deadline.
What you do
- Read the agreement and sign when you're ready.
- Connect credit monitoring, so we can see your three reports.
03
Step 3 · Review and plan
We review all three reports
Equifax, Experian and TransUnion, line by line. Then your written plan: what we'll dispute, what you can do on your own, and the habits that help. Once you're enrolled, we call you to go over it.
What we do
- We go through every account, balance, payment history entry, inquiry and personal detail on all three reports.
- We flag anything that looks inconsistent, such as duplicate accounts, wrong balances or dates, or accounts you may not recognize.
- We list each item that appears inaccurate or incomplete, how we'll address it, and anything you can easily handle on your own.
- We prepare documented, individual disputes, only for information you believe is inaccurate or incomplete.
What you do
- Share a photo ID, proof of address, and any statements or letters you have.
- Confirm which accounts are yours and which details are right. Your knowledge shapes the plan.
- Review the plan and ask questions.
- Keep paying your accounts on time while the work is underway.
04
Step 4 · Every month
We dispute and keep you posted
Steady work, with an update in writing every month.
What we do
- Disputes go out, and every response from the credit bureaus and creditors is logged and reviewed.
- Each month you get an update by email, phone or WhatsApp: what was sent, what came back, and what's next.
- Updates include credit-building guidance, such as paying down a card that's close to its limit.
What you do
- Forward any letters you receive from the credit bureaus or creditors.
- Follow the credit-building steps that apply to you.
- Reach out anytime with questions.
Credit bureaus generally have 30 days to investigate a dispute, and we send you an update every month.
What you'll need
- A valid government-issued photo ID
- Proof of your current address
- Your credit reports, or access to them (free at AnnualCreditReport.com)
- Letters or statements about the accounts you'd like reviewed
Your client portal tells you exactly what's needed after you enroll.
What we'll never do
- Promise to remove accurate information or raise your score by a set amount
- Dispute information you've confirmed is accurate
- Tell you to stop paying your bills
- Suggest a CPN or a “new credit identity”
Your rights
You can dispute inaccurate information in your credit report directly with the credit bureaus, at no cost, and do everything we do on your own. If you hire us, you can cancel without penalty within three business days of signing.