How it works
A straightforward process designed to reduce confusion and keep you moving.
Step 1 — Consultation
We review goals, timeline, and what you’ve tried. You’ll leave with next steps even on day one.
Step 2 — Report review
We analyze your file for accuracy, reporting issues, and opportunities to improve utilization and mix.
Step 3 — Action plan
A written plan: what to dispute, when, what documents matter, and what to do while disputes run.
Step 4 — Dispute cycles
We prepare and send disputes and follow-ups (as applicable), and track bureau responses.
Step 5 — Build positive credit
Guidance on adding positive reporting and improving key scoring factors while cleaning negatives.
Step 6 — Monitor & maintain
Monthly updates and coaching so you keep results and avoid repeating past patterns.