How It Works

Step One

The first step requires you to provide us with your credit reports from all three credit bureaus including Equifax, TransUnion, and Experian. We prefer that you use to pull all three of your credit reports because of the ease of use and their $1.00 trial. They also offer a lot of additional features if you continue with their membership. If you don’t like IdentityIQ, you can also use Smart Credit to pull your credit reports or any other provider of your choice.

Step Two

In the second step, we provide you with a deep analysis of your credit report spotting all inaccurate information. We then look at the various factors that are pulling your credit score down and provide you with actionable steps to get your score back up. We provide you with a step-by-step guidance on how to rebuild and restore your credit.

Step Three

In the 3rd step, we upload all of the inaccurate, misleading and unverifiable information into our system, and begin to challenge questionable information with the credit bureaus, creditors, and collectors. Once the dispute letters are ready, we send them out to all the firms and wait 30 to 40 days for updates. You can track your credit repair progress using our online portal.

Step Four

In the fourth step, we analyze the updates for any changes to the inaccurate, misleading and unverifiable information. If there are changes, we update your file and then move on to the next inaccurate, misleading and unverifiable item. If the item comes back verified with no change, we follow up with the credit bureaus or the furnisher to try to get a resolution on why the inaccurate information is still on the credit report. We focus on fixing your credit from start to finish. Our goal is to help customers with bad credit build their credit once again through our restoration program.