📘 What Is Traditional Credit Repair?
Traditional credit repair is a process of identifying and disputing inaccurate, outdated, or unverifiable information on a consumer's credit report in order to improve their credit score over time. It is governed by the Fair Credit Reporting Act (FCRA), which gives consumers the right to challenge errors and request corrections or removals. This monthly service gives you access to professional support, dispute management, and ongoing credit education—without any upfront setup fees.
Monthly Plan: $99.00 | No Setup Fee | Cancel Anytime
🔍 What Traditional Credit Repair Consists Of:
- Credit Report AnalysisA full review of your reports from all three credit bureaus (Experian, Equifax, and TransUnion).
- Identification of negative items such as collections, charge-offs, late payments, bankruptcies, inquiries, and more.
- Dispute Process
- The credit repair specialist (or the consumer) sends dispute letters to the credit bureaus.
- Bureaus are required to investigate and respond within 30 days. If the creditor cannot verify the item, it must be deleted or corrected.
- Creditor Validation Requests
- In some cases, disputes are also sent directly to original creditors or debt collectors asking them to validate the debt.
- Monitoring & Follow-Up
- Continuous monitoring to check for changes, updates, and results.
- Multiple rounds of disputes may be necessary, depending on the response from the credit bureaus and creditors.
- Credit Education & Strategy
- Many traditional credit repair programs also include credit coaching, tips for managing utilization, paying down debt, and building new positive tradelines.
⚖️ What It Does Not Do:
- It does not remove legitimate negative items unless they are reporting inaccurately or are unverifiable.
- It does not improve your score overnight—traditional credit repair is a gradual process that can take 3 to 6 months or longer, depending on the severity of the credit profile.
🧾 Common Items Challenged in Traditional Credit Repair:
- Incorrect personal information
- Duplicate accounts
- Outdated negative items
- Accounts with inaccurate balances
- Collections that are paid or settled
- Late payments reported incorrectly
- Unauthorized inquiries
- Identity theft-related accounts
✅ Who Is It For?
- Consumers with credit report errors
- Individuals recovering from past financial hardship
- Those preparing for future financing (home, car, business loan)
- Anyone who wants to legally and ethically rebuild their credit profile
📈 What Kind of Score Improvements Can You Expect?
While every credit file is different, most clients typically see credit score improvements ranging from 50 to 150+ points over the course of the program, depending on factors such as:
- Number and type of negative accounts removed
- Addition of positive tradelines or improved credit usage
- Timely payments and overall credit behavior during the process
🔄 How Often Do Scores Increase?
- Scores can update every 30 to 45 days after disputes are filed, as credit bureaus complete investigations.
- Some clients see changes as early as 30 days, while others experience gradual improvements over 3–6 months.
- The more active the file and the quicker you submit required documentation, the faster the results.
🎯 Who Is This For?
This plan is ideal for individuals who:
- Have errors or negative items affecting their credit
- Are preparing for a major purchase (car, house, business loan)
- Want to gradually and affordably improve their credit health
- Prefer a steady, long-term credit-building solution
🛠️ What's Included in the $99 Monthly Plan?
- Full credit report analysis (3 bureaus)
- Unlimited monthly disputes with Experian, TransUnion & Equifax
- Direct-to-creditor validation letters (if needed)
- Credit education and rebuilding strategy
- Access to secure client portal
- Monthly progress tracking and updates
- Priority support via email or phone
💵 Pricing Breakdown
- Monthly Fee: $99.00
- No Setup Fee
- Cancel Anytime – No long-term contracts or commitments
📌 Getting Started – Step-by-Step Instructions
To begin with Credit Repair, follow these simple steps:
- Request Your Tri-Merged Credit Report
Click on the tab above "Order Credit Report".
Then click “Sign Up For A Free Consultation” to schedule your video or phone call through Calendly. - Attend Your 30 Minute Credit Consultation
During your scheduled call, we will review your report and provide a custom plan and clear expectations for how we will help you or your client qualify—whether that’s through removing negative items or boosting credit scores quickly. - Sign-Up
After the consultation, you will be directed to the sign up page:
Credit Repair: $99.00 per month (Due after 14 days of signing up) - Onboarding
Once you sign up, you’ll be sent onboarding instructions and secure login credentials for your personal client portal. - Upload Required Documents
After logging in, upload all supporting documents directly to your portal so we can begin the credit work immediately.
🗂️ Required Documents to Upload After Login:
- Most recent tri-merged credit report (Experian, Equifax, TransUnion)
- Valid photo ID (driver’s license or state ID)
- Proof of address (recent utility bill dated within the last 30 days)
- Any supporting documentation for disputes or updates (e.g., payoffs, settlement letters, bank statements)
- Signed authorization form (provided during onboarding)
