HOW CREDIT WORKS

We all talk about credit, but who knows how it works?

What is Credit?

In a nutshell, credit is the ability to borrow money or access goods or services with the understanding that you’ll pay later.

When you borrow money, whether through a revolving account, like credit cards, or an installment account, like an auto loan or student loan, the information is gathered by the credit bureaus. The data the bureaus keep in your credit files is the date used to calculate your credit scores.

Our Process

  1. We begin with processing your personal information so that we can learn more about you and get a holistic picture of your background. The process is quick (under 5 minutes!) so that we can quickly connect with you and get started. 
  2. You’ll receive an email with a link to log into the portal. From there, you’ll create a password and become familiar with the portal. 
  3. In the portal, you sign our agreement, order a credit report, and submit verification information (a picture of a valid driver’s license and proof of address). 
  4. Once we run the credit report, we can see all the negative reports. Then, we create your first round of dispute letter for each credit bureau agency.
  5. We work together to come up with a plan that is customized to your needs. We don’t just remove negative credit; we boost overall positive credit.