Our Two-Phase
Process.
We never charge you before work is done. Our CROA-compliant process means you see results before you pay - period. Here's how it works, step by step.
Most credit repair companies charge upfront and disappear. Federal law (CROA) prohibits advance fees for credit repair. We built our entire model around compliance and trust - you don't pay until we deliver.
Free Credit Analysis NO COST
We pull all three bureau reports and walk through every negative item with you. You get a verbal breakdown of what's hurting your score and what we can target. No obligation, no pressure, no charge.
Sign Your Agreement PHASE 1
If you decide to move forward, you sign our CROA-compliant service agreement. You have a full 3-business-day cancellation window before any work begins. Complete transparency from day one.
Credit Audit Delivered PHASE 1
After the cancellation window, we build your custom Credit Audit - a detailed written strategy covering every disputable item, FCRA violations found, and your prioritized dispute sequence. You're billed only after it's delivered to you.
Monthly Dispute Execution Begins PHASE 2
Custom disputes go out to all three bureaus simultaneously. Each round is tailored to your file - no templates. We track every response, escalate when bureaus stall, and contact creditors directly when needed. Monthly billing in arrears (you pay after the month of service, not before).
Monitor, Counter, Rebuild PHASE 2
Bureau investigations take 30 to 45 days. We analyze every result, file follow-up disputes, and deliver your personalized score rebuild roadmap. Cancel anytime - no contracts, no penalties.