90-Day to 6-Month Comprehensive Credit Restoration & Empowerment Plan

Over the course of 90 days to 6 months, our mission is to transform your credit profile, elevate your financial confidence, and help you build long-term creditworthiness. Here’s what you can expect during this time:

1. Strategic Identification & Dispute of Inaccurate or Unfair Items
We begin with a full credit report audit to identify outdated, unverifiable, inaccurate, or unfair negative items such as late payments, charge-offs, collections, bankruptcies, or inquiries. We then initiate targeted dispute processes on your behalf to challenge these items with all three credit bureaus—TransUnion, Equifax, and Experian.

2. Direct Communication with Bureaus & Creditors
Our team drafts and sends customized dispute letters to credit bureaus and creditors to request item verifications, corrections, or deletions. We follow up consistently, track responses, and manage timelines to ensure your rights under the Fair Credit Reporting Act (FCRA) are upheld.

3. Personalized Credit Coaching & Positive Tradeline Guidance
Throughout the program, you’ll receive coaching on how to build and manage healthy credit. This includes tips on secured credit cards, credit builder loans, authorized user strategies, and how to maintain optimal utilization and payment habits.

4. Education on Credit Scores & How They Impact You
We teach you how FICO and VantageScore systems work—including the five factors that make up your score—so you can make empowered decisions that help increase your score and maintain it long after our services are complete.

5. Transparent Progress Reports & Open Communication
We believe in full transparency. You’ll receive regular updates on your progress, dispute results, and any new developments. Our team is readily available to answer your questions and provide clarity at every step of the process.

6. Professionalism & Ethical Conduct in All Interactions
You will experience nothing but professionalism. Our trained team is committed to respectful, honest, and timely communication. We adhere to all legal and ethical standards and ensure that your data is handled securely and confidentially.

7. A True Commitment to Your Financial Goals
More than just fixing credit reports, we’re here to help you build a new financial future. Our end goal is to support you in achieving real-life outcomes like home ownership, vehicle financing, lower interest rates, or launching a business. Your success is our success.