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what to expect
Getting to know you...
We're going to work very closely together. In our initial conversations, tell us about yourself and what you do. This helps us understand who you are and determine the most efficient way for us to communicate during the credit repair and building process. During this conversation, we will pick a package and get you logged into your portal!
Credit Monitoring Steps...
In your portal, there are a few steps that are necessary for beginning repair. We will need a license, proof of address, and a credit monitoring subscription. You can use our discounted partner, or any 3-bureau monitoring system. It's extremely important that we have access to monthly reports, so we can analyze any changes!
Your first consultation...
After see your report, our credit experts will comb it line-by-line and draft a credit audit. They're looking at everything that makes up your score, so they can break it down for you in a video consultation. Our team will email that video to you with a copy of your credit audit. In our next few consultations, we will discuss good and bad credit behavior and habits. Once your score increases, the consultations will get more hands-on as you build your credit in a healthy way.
The "fun" part... disputing
This is the part where our team writes personalized letters to all three bureaus and furnishers. At this stage, your job is to send us pictures of their replies via mail or email. Credit repair is impossible without this step. Depending on the bureau's responses, or lack thereof, our team is ready and equipped to pursue the next steps whether it be dialing up the pressure or filing federal complaints. Like we said, YOU HAVE RIGHTS, and we know how to use them.
"Turbo, when will i see results?"
Your next question is probably something like:
Say hello to the hard part...
The bureaus are legally obligated to respond to letters within 30 days. But here's the thing: they don't want to! They benefit from having derogatory marks on your report, (whether they are accurate or not), so they will stall and sometimes ignore your requests! It's our job to leverage your right to an accurate report and pressure the bureaus into action! This can take multiple rounds of letters... that means multiple months. Like we said, credit repair takes time.