Credit Builders
Build positive history the right way with vetted options that fit your profile.
Read more →What to Expect
Structured Review – We analyze your report and outline a plan.
Targeted Actions – We challenge inaccuracies and follow through.
Ongoing Building – We help strengthen and monitor your profile.
Review & Plan
We review your report, identify issues, and set a clear plan with priorities and timelines.
- Verify your identity and connect reports securely.
- Flag inaccurate, outdated, or unverifiable items.
- Map actions and expected timing.
You’ll see in your portal: A simple checklist, items under review, and next-step dates.
Typically 1–3 business days.
Dispute & Follow-Up
We submit precise challenges to bureaus and creditors and track responses.
- File targeted disputes with supporting details.
- Monitor responses and request validations.
- Re-dispute or escalate when needed.
You’ll see in your portal: Dispute status, response dates, and what’s pending.
Typical responses 10–30 days depending on the bureau/creditor.
Build & Monitor
We focus on adding positive data and maintaining good habits that support long-term strength.
- Guidance on adding responsible trade lines.
- Payment history and utilization best practices.
- Periodic reviews to stay on track.
You’ll see in your portal: Tips, monthly check-ins, and simple progress visuals.
Ongoing; reviewed monthly or as needed.
Typical Timeline
Reviews: 1–3 days → Disputes: 10–30 days per round → Building: ongoing.
What We Need From You
- Secure portal signup and identity verification.
- Access to your reports through approved providers.
- Prompt replies to document requests.
Never email sensitive information. Use the secure portal only.
Updates & Support
- Status updates in the portal.
- Email/SMS alerts for key changes.
- Support by chat, Zoom, or in person during business hours.
Clear Expectations
- Disputes are handled in rounds; timelines vary by bureau/creditor.
- Verified items may require additional documentation or strategy changes.
- No guarantees of specific outcomes; we focus on accuracy, consistency, and progress.