Our Process…

Step 1
Credit Review & Plan

Once enrolled… we will review your credit reports and provide a written review and game plan. We will also review the 5 factors that contribute to having good credit scores.

We will research and identify any negative accounts that “qualify” to be challenged and possibly removed by the credit reporting agencies.

Regardless of what you may have heard… unpaid collections need to be paid. If possible, we suggest settling for less than owed. You do not need to hire a debt settlement company. You can easily do this on your own and save a lot of money. We will coach you on how to negotiate settlements and we will create a Creditor Contact List to assist you.

Avoid being persuaded and scammed by companies promising to remove unpaid collections. Promises or guarantees to remove unpaid collections is considered deceptive marketing, which is illegal.  Read More

Step 2
Challenge Accounts

We will begin challenging qualified negative accounts (for you) with the credit reporting agencies. If the item in question is inaccurate, reporting in error or cannot be verified; then it is possible for the reporting agencies to remove it from your reports sooner than 7 years.

Note:  By law, no one can guarantee a credit score increase or the removal of any accounts, or late payments, from your credit reports. The credit reporting agencies decide whether or not this happens.

As a result of past challenges, the credit reporting agencies have removed…

Old ​Late Payments
Paid Collections
Paid Charge Offs
Old Student Loans
Discharged Bankruptcy
Dismissed Bankruptcy
Accounts included in Bankruptcy

Step 3
Review Results

Throughout each month we will monitor, review your credit reports and update your online portal. We encourage all clients to log in to the portal at least every 2 weeks to monitor, stay engaged with the process and to ask questions.

Step 4
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.

You may use our service for as long as you may need or want to use us. That is up to you. You may cancel service at any time. Again, it’s important to log in to your portal at least every 2 weeks to monitor, stay engaged and to ask questions.

You Get All This For
Only $39 per month

Couple’s Discount Available

Have Questions?

Call Us: 877-772-7312
Text Only: 605-316-5051