How It Works

The Five-Step Method - Interactive Guide

The Five-Step Method

Your comprehensive credit repair journey

Progress Step 1 of 5
1
2
3
4
5

Secure Intake

5–7 minutes

Tell us your goals (home, auto, apartment, business credit), verify identity, and create your secure portal.

What you'll see:

  • • Welcome checklist
  • • Document uploader
  • • Next-step dates

What You Receive

Documented, statute-driven work—not generic templates

Concierge Portal with progress bars, due dates, and notes in plain English

Respectful Escalation when warranted, with a complete paper trail

Rebuild Coaching to stabilize scores and readiness

Lender-Ready Checklist aligned to your goal

Our Mission

Transparency builds trust.

Timelines, notes, and expectations—always visible.

Precision beats speed.

Targeted disputes and respectful escalation outperform “spray-and-pray” templates.

Your rights matter.

When documented correctly, they work.

Rebuild is the win.

Clean-up plus smarter habits creates lender-ready outcomes.

FAQs

What You Will Receive

Documented, statute-driven work—not generic templates

Concierge Portal with progress bars, due dates, and notes in plain English

Respectful Escalation when warranted, with a complete paper trail

Rebuild Coaching to stabilize scores and readiness

Lender-Ready Checklist aligned to your goal

What Is Required From You?

Placeholder Image

Your Government-issued ID

A clear, unexpired government photo ID (one of: U.S. driver’s license—front & back, state photo ID—front & back, U.S. passport book or card, Permanent Resident Card, or foreign passport) with your legal name visible
Placeholder Image

Proof Of Address

A document with your name + current street address, dated within the last 60 days: utility bill, lease/mortgage statement, bank/credit card statement, insurance or government mail (IRS/DMV)
Placeholder Image

Supporting Documents

Any records tied to the items you’re disputing: account statements, payment/receipt confirmations, paid-in-full or settlement letters, correspondence from creditors/bureaus, court docs, and (for identity theft) an FTC Identity Theft Report and/or police report.
Placeholder Image

Your Permission

A one-time electronic authorization to securely pull your Tri-Bureau reports

Timeline at a Glance

Week 1

Intake, verification, document upload, audit mapping

Weeks 2–4

Initial disputes submitted; investigation window opens (~30 days)

Weeks 5–7

Results arrive; portal updates; plan next cycle

Ongoing

Additional cycles (as needed), rebuild coaching, lender-ready steps Most files benefit from 2–4 dispute cycles.

Membership Plans

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The Five-Step Method
Your comprehensive credit repair journey

Progress
Step 1 of 5

1
2
3
4
5

Secure Intake
5–7 minutes

Tell us your goals (home, auto, apartment, business credit), verify identity, and create your secure portal.

What you’ll see:

• Welcome checklist
• Document uploader
• Next-step dates

Tri-Bureau Review & Rights-Based Audit
2–5 business days

With your permission, we review your credit reports and map a plan grounded in applicable statutes and documentation.

What we do:

• Identify inaccuracies
• Find missing context
• Spot mixed-file issues
• Mark items needing validation or correction

Evidence File & Dispute Submission
Within first cycle

We assemble a regulator-grade paper trail—IDs, proof of address, statements, receipts, affidavits (if applicable)—and submit targeted disputes to bureaus and/or furnishers.

What you’ll see:

• Portal tasks completed
• Date stamps
• Tracking of each item’s status

Investigation Window
~30 days, sometimes up to ~45

Bureaus contact furnishers to reinvestigate. You may receive mail or requests for more info.

What we do:

• Monitor responses
• Log outcomes (deleted/updated/verified/unable to verify)
• Prepare next-cycle actions

Cycle Review, Rebuild, and Escalation
Ongoing process

We review results with you, refine documentation, and run additional cycles as needed. In parallel, we coach rebuild habits (utilization, mix, on-time systems) and provide a lender-ready path.

Escalation:
When appropriate, we escalate respectfully with a complete, evidence-backed file.

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We designed the perfect plan to help your team manage their work-life balance and increase their productivity.\n\n[/cs_content_seo][/cs_element_layout_div][cs_element_accordion _modules="33" _id="32" ][/cs_element_accordion][/cs_element_layout_column][/cs_element_layout_row][/cs_element_section][cs_element_section _id="35" ][cs_element_layout_row _id="36" ][cs_element_layout_column _id="37" ][cs_element_headline _id="38" ][cs_content_seo]What You Will Receive \n\n[/cs_content_seo][cs_element_headline _id="39" ][cs_content_seo]{{dc:looper:field key="item"}}\n\n{{dc:acf:post_field field="coworking_description"}}\n\n[/cs_content_seo][/cs_element_layout_column][cs_element_layout_column _id="40" ][cs_element_image _id="41" ][/cs_element_layout_column][/cs_element_layout_row][/cs_element_section][cs_element_section _id="42" ][cs_element_layout_div _id="43" ][cs_element_layout_div_2 _id="44" ][cs_element_headline _id="45" ][cs_content_seo]What Is Required From You?\n\nLorem ipsum dolor sit amet, consectetur adipiscing elit. Praesent sed orci nibh, ac rutrum eros. Phasellus eget pulvinar velit. Sed in enim nunc. \n\n[/cs_content_seo][/cs_element_layout_div_2][cs_element_layout_row _id="46" ][cs_element_layout_column _id="47" ][cs_element_layout_div_2 _id="48" ][cs_element_image _id="49" ][/cs_element_layout_div_2][cs_element_layout_div_2 _id="50" ][cs_element_headline _id="51" ][cs_content_seo]{{dc:looper:field key="headline"}}\n\nKeep this content short\n\n[/cs_content_seo][cs_element_text _id="52" ][cs_content_seo]{{dc:looper:field key="description"}}\n\n[/cs_content_seo][/cs_element_layout_div_2][/cs_element_layout_column][/cs_element_layout_row][/cs_element_layout_div][/cs_element_section][cs_element_section _id="53" ][cs_element_layout_row _id="54" ][cs_element_layout_column _id="55" ][cs_element_headline _id="56" ][cs_content_seo]Timeline at a Glance\n\n[/cs_content_seo][cs_element_layout_div _id="57" ][cs_element_headline _id="58" ][cs_content_seo]{{dc:looper:field key="title"}}\n\n{{dc:looper:field key="description"}}\n\n[/cs_content_seo][/cs_element_layout_div][/cs_element_layout_column][cs_element_layout_column _id="59" ][cs_element_image _id="60" ][/cs_element_layout_column][/cs_element_layout_row][/cs_element_section][cs_element_section _id="61" ][cs_element_layout_div _id="62" ][cs_element_headline _id="63" ][cs_content_seo]Membership Plans\n\nQuick caption here\n\n[/cs_content_seo][cs_element_text _id="64" ][cs_content_seo]The text element is intended for longform copy that could potentially include multiple paragraphs. You can also use it for single lines of copy if you wish.\n\n[/cs_content_seo][cs_element_layout_row _id="65" ][cs_element_layout_column _id="66" ][cs_element_layout_div_2 _id="67" ][cs_element_layout_row_2 _id="68" ][cs_element_layout_column_2 _id="69" ][cs_element_headline _id="70" ][cs_content_seo]$ {{dc:acf:option_field field="fees_monthly_fee"}}\n\nMillion\n\n[/cs_content_seo][/cs_element_layout_column_2][cs_element_layout_column_2 _id="71" ][cs_element_headline _id="72" ][cs_content_seo]/ Monthly\n\nMillion\n\n[/cs_content_seo][/cs_element_layout_column_2][/cs_element_layout_row_2][cs_element_headline _id="73" ][cs_content_seo]$ {{dc:acf:option_field field="fees_enrollment"}} - One Time Enrollment Fee\n\nQuick caption here\n\n[/cs_content_seo][cs_element_text _id="74" ][cs_element_button _id="75" ][cs_content_seo]Purchase\n\n[/cs_content_seo][/cs_element_layout_div_2][/cs_element_layout_column][/cs_element_layout_row][/cs_element_layout_div][/cs_element_section][/cs_content]