Credit restoration & credit building
Stop guessing at your credit.
Work the file.
The CRCP is a structured program that does two jobs at once: challenge what is inaccurate, unverifiable, or unfair on your reports — and build the positive history lenders actually score you on. Most people only ever do the first half. That's why their score comes back down.
Deleting items is half a strategy.
A credit score is built out of five things. Disputes only touch one of them. If nothing is being added to your file while items come off, you end up with a clean report and a thin one — and a thin file doesn't get approved either.
Inaccurate items stay put
Reporting errors, duplicate accounts, wrong balances, and debts that can't be verified sit on your file until somebody challenges them in writing, with documentation, to the right party.
The file is too thin
Length of history and mix of accounts are roughly 25% of a FICO score. If you have two accounts and both are young, there is a ceiling on your score no dispute can lift.
Utilization eats the gains
Amounts owed is about 30% of the score and it re-reports every month. People win deletions and then lose the points right back to a maxed-out card.
Four moves, run in order, every month.
Same process for every client. No mystery, no "trust us" — you see the reports we pull, the letters we send, and what came back.
Audit
We pull all three reports, line-item them, and mark every account that is inaccurate, incomplete, duplicated, outdated, or unverifiable. You get the audit in writing before anything is sent.
Challenge
Documented challenges go to the bureaus and, where it applies, directly to the furnisher under the FCRA. Each round is tracked; you see what was sent and what the response was.
Build
At the same time, we put positive history on the file — secured and starter lines, reporting rent and utility history where it's available, and a utilization plan you can actually hold.
Position
Once the file holds, we point it at the goal you enrolled for — auto, mortgage-ready, or a business credit profile that stands on the EIN instead of your personal guarantee.
Three people we do our best work for.
The person 40 points short
You've been declined, or approved at a rate that hurts. There are two or three items on the file doing most of the damage and nothing being built behind them.
The person starting over
Bankruptcy, divorce, a repossession, a stretch of medical collections. The file needs cleaning and rebuilding at the same time, in that order, without wasted months.
The owner using the wrong credit
Your business runs on your personal cards. We separate the two and build a business profile that borrows on its own EIN.
Most of this industry is breaking the law. We built around it instead.
Credit repair is one of the most heavily regulated consumer services in the country, and the rules are not obscure. They are just inconvenient, so they get ignored — usually in exactly the place where your money changes hands.
No advance fees. None.
CROA forbids charging for a service before it is performed. That includes the consultation. You pay $0 to enroll and nothing until something has been delivered to you.
Written disclosure before you sign
You get the federal "Consumer Credit File Rights" statement, the contract with total cost stated, and two copies of the Notice of Cancellation — before anything is signed.
Three days to walk, penalty free
And after that, you can still stop at any time without owing for work not yet done.
No phone sales
You enroll online or in person. We do not close credit work over the phone, because the FTC's telemarketing rule makes that structure impossible to run honestly.
Start with the consultation.
You'll know exactly what is on your three reports, what we believe is challengeable and why, and what building the file back is going to take — before you commit to a full program.
Know your rights. You have the right to dispute inaccurate information in your credit report by contacting the credit bureau directly, at no cost to you. Nobody can lawfully remove accurate and timely negative information from a credit report. You may cancel your contract with us, without penalty or obligation, within three business days of signing. Read the full disclosure statement →