How it works

No secret letters. No loopholes. Just the work.

Credit repair is a legal process with rules, deadlines, and a lot of follow-through. Here's exactly what I do with your file, step by step, and why the plan looks different for every client who walks in.

Request a Free Consultation

Prefer to do it yourself?

Step 01

Know the client

We start with a free consultation and pull all three credit reports (Equifax, Experian, TransUnion). Then we read them against your goals, not a checklist. A client trying to qualify for an FHA loan in nine months needs a different plan from a client trying to stop a collector from calling. This is also where we tell you if you don't need us.

What you get: a plain-English summary of what's on your reports, what's likely disputable, and an honest range of what to expect.

Step 02

Build the strategy

Not every negative item is worth disputing first, and some aren't worth disputing at all. We map every account: inaccurate, unverifiable, outdated, or accurate. We decide what to challenge, whether to go to the bureau or directly to the furnisher, and in what order, so early wins don't trigger problems later.

What you get: a written strategy in your client portal with each item, the approach, and the reason.

Step 03

Dispute with persistence

Disputes go out every round to the bureaus and, where it makes sense, to creditors and collectors under the FCRA and FDCPA. They have 30 days (45 in some cases) to respond. When an item comes back "verified" without proof, we escalate with a method-of-verification request, a direct furnisher dispute, or a regulator complaint.

What you get: every letter, response, and status change tracked in your portal, plus text or email updates when something moves.

Step 04

Review and adjust

Each month we compare updated reports to the last round: what was deleted, what was updated, what stayed. We adjust the strategy and coach you on the positive side of the ledger, including utilization, payment timing, and which accounts help. Most clients work with us for three to six months, and we tell you when it's time to stop.

What you get: a monthly review, an updated plan, and a clear stopping point.

Timeline

What a typical engagement looks like.

Typical, not promised. Complex files run longer; simple ones may finish in a round or two.

Week 1

Consultation & analysis

Reports pulled, goals set, strategy written. Round one disputes prepared.

Days 30–45

Round one results

Bureau responses arrive. Deletions and updates logged; verified items get an escalation plan.

Months 2–4

Rounds two and three

Furnisher disputes, method-of-verification requests, and regulator complaints where warranted. Credit-building steps begin.

Months 4–6

Wrap-up

Remaining items reviewed honestly: keep pushing, let age off, or stop. Final report and a maintenance plan.

Why both sides matter

What actually moves a score.

Payment history is 35 percent of a FICO score and utilization is 30. Disputes clean up the first; your habits between rounds drive the second. That's why every plan runs both at once, and why a file with nothing to dispute can still move a lot.

Payment history (35%): lates, collections, charge-offs. Disputes and goodwill letters live here.
Amounts owed (30%): utilization. Pay before the statement closes, keep it under 30 percent.
Length of history (15%): don't close old cards.
Credit mix (10%) and new credit (10%): don't chase these; they take care of themselves.

Our line

What we will never do.

Promise a score increase or a number of deletions.
Tell you to dispute accurate information as "not mine."
Charge you before work is performed.
Lock you into a long contract.
Recommend a CPN, a "new credit identity," or anything else that is illegal.

Our promise

What we always do.

Read your whole file before we take your money.
Tell you when doing it yourself is the better option.
Write down the strategy so you can see the reasoning.
Send every round on time and track every response.
Tell you when it's time to stop.

Free consultation

Ready to see what your file actually says?

The consultation is free and it's a conversation, not a pitch. A house, a car, a fresh start, or just being done feeling embarrassed when someone pulls your credit: whatever it is, you'll leave knowing what your file needs, even if the answer is "do it yourself."