How It Works

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Start With a Free Evaluation

The first thing we do is sit down with you and go through your three credit reports. We conduct a thorough review – examining line-by-line, noting issues and putting together a detailed list. At the end of this exercise, we’ll have a solid understanding of your situation.


Restoring Your Credit

Credit issues can be scary, but if you have an industry expert on your side, you won’t have to worry. When it comes to restoring credit, consumer laws are our allies. We leverage FCRA, HIPAA, FDCPA, and many other laws to get inaccurate and unverified items removed from your credit report. We spot derogatory accounts, questionable items, and a lot more.

Once we’ve assembled a list of issues, we send our investigations to the credit agencies. The credit agencies will send their responses directly to you – giving you instant access to the results. If the challenged items are not corrected we keep pushing to get you the most relief possible.

Items that we can work on, on your credit report
  • Late Payments
  • Foreclosures
  • Charge-offs
  • Collections
  • Tax Liens
  • Auto Loans
  • Student Loans
  • More
  • Bankruptcies
  • Inquiries
  • Repossessions

Three Steps to Repair Your Credit

Free Evaluation
Together, we go over your TransUnion, Experian and Equifax credit reports line-by-line. Our first goal is to find out what’s going on.
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Credit Restoration
We leverage your consumer rights and engage with the credit agencies and creditors by challenging and correcting inaccuracies.  We provide you with the tools and education to maximize your credit score potential.
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Loan Approval
Whether you are looking for a home, auto or business loan, we’ll help you through the process-working closely with our lending partners to assist you in the application process.
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What You Can Expect

  • 5
    Your Journey Starts

    We start our process with investigations to Experian, Trans Union, and Equifax.  Expect a response from them in the mail within 30-45 days.

  • 10
    Get Credit Survival Guide
    While you wait on the credit bureau response. You will receive the Sperity Credit Survival Guide. Work Through the steps to get prepared for a fresh start.
  • 45
    Double Check Everything
    By this point, you should have received the response from all three credit bureaus. Go ahead and forword it to us - we’ll take it from here.
  • 90
    View Your Progress
    Access your account and keep an eye on updates and improvements. At this point, you will be able to see continual activity and mail from creditors.
  • 120
    Achieve your goal
    Finally, we can move on to more pleasant things. We start the loan approval process to get you to your end-goal.
TimeFrames Can be Less or More
Each journey is unique, and we will be there for you each step of the way.

Become a Partner

Know someone who needs credit help? Have a client that isn’t eligible for a loan?