After You Enroll
Review Your Credit Reports
During this step, we will provide a written credit review (so you can refer back to it in the future), coach you and point you in the right direction to improve your credit scores. Our goal is to set you on a path to a 700 or better score. We will also identify any negative accounts that “qualify” to be challenged or disputed with the credit reporting agencies and potentially removed from your credit reports.
NOTE: If you have no accounts that qualify to be challenged or disputed at this time, your account will be cancelled and you will receive a 100% refund of the setup fee.
We will initiate our process to challenge or dispute qualified accounts or past late payments (on your behalf) with the credit reporting agencies. If the item in question is inaccurate, reporting in error or it cannot be verified; then there is a possibility that it could be removed from your credit reports sooner than the 7-year time frame.
By law, no one can make or imply a guarantee or promise to increase your credit scores or the removal of any accounts (paid or unpaid), or late payments from your credit reports.
However, we have removed…
Old Late Payments
Paid Charge Offs
Old Student Loans
Accounts included in Bankruptcy
Throughout each month we will monitor and review your credit reports, the results of the account disputes & challenges and update your portal accordingly. We encourage you to log in to your portal at least every 2 weeks to monitor the accounts being challenged, stay engaged with the process and to ask any questions.
Repeat Steps 2, 3, 4
For those accounts remaining, we will change up our strategies for each challenge round, address them accordingly and repeat Steps 2, 3 & 4.