Credit repair is a financial literacy service that identifies & evaluates with the intentions to remove derogatory inaccurate & unverifiable accounts from consumers’ credit reports. Throughout the credit repair process a variety of dispute strategies and methods are implemented to remove the derogatory accounts from consumers’ credit profiles.

The credit repairing timeframe depends on the severity of your credit profile PRIOR to starting the credit repair process. The type, amount of negative accounts and who the creditors are that owns the negative accounts on your credit profiles has a significant impact on how long it will take to repair your credit profiles. 

ESTIMATED CREDIT REPAIR TIMEFRAMES: (May vary depending on creditor)

• MILD: (3-6 Months) Medical Collections, Non-Medical Collections, Inquiries
• HARD: (6-9 Months) Charge Offs, Medical Collections, Non-Medical Collections, Inquiries
• CHALLENGED (9-12 Months) Student loans, Bankruptcy, Charge-Offs, Medical Collections, Non-Medical Collections, Inquiries
• VERY DIFFICULT (12-18 Months) Repossession, Bankruptcy, Charge-Offs, Medical Collections, Non-Medical Collections, Inquiries
• SEVERE (18-24 Months) Repossession, Student loans, Bankruptcy, Charge-Offs, Medical Collections, Non-Medical Collections, Late Payments, Inquiries

Clients must create a credit monitoring account to pull updated credit scores and reports (click here to pull your updated scores and reports).

• Once updated scores and reports are received the clients credit reports are analyzed and calculated. During the analysis and evaluation process the client is given a detailed evaluation and an estimated credit repairing timeframe.
• Clients’ credit profiles will be calculated to develop the quickest strategies and methods to enhance the strength of the clients’ credit profiles and scores.
• Dispute against negative accounts to be deleted by the credit bureaus and creditors.
• The negative accounts that are not deleted in each dispute round will be reprocessed until they are deleted from the clients’ credit reports.
• Credit profile building will be recommended and implemented to improve the strength of the clients’ credit profiles and scores throughout the credit repairing process.
• Once clients’ credit reports and scores have been rectified and repaired, clients are encouraged to leverage their new credit profiles and scores every 18-24 months.
• Seasoned tradelines are considered for an extra credit score increase.