The Process
From Consultation to Keys in Hand
No mystery. No vague promises. Here's exactly what happens from the moment you reach out to the moment you get approved.
Free Credit Consultation
We start with a no-pressure, no-cost consultation. We pull your full 3-bureau credit report and walk through every item together — collections, late payments, inquiries, errors, all of it. You leave knowing exactly where you stand and what needs to change.
- Full 3-bureau credit pull
- Score gap analysis vs. lender requirements
- Identify disputable items
- Set your target score and timeline
Your Personalized Repair Plan
No cookie-cutter plans here. We build a custom roadmap based on your specific credit profile and your goal — whether that's hitting 620 for an FHA loan or 720 for the best conventional mortgage rates.
- Custom dispute strategy
- Debt payoff prioritization
- Credit utilization optimization
- Timeline with milestone targets
We Work the Plan
This is where the real work happens. We send dispute letters, negotiate with creditors, coach you on new credit behavior, and monitor your reports monthly. You get regular updates so you always know where your score stands.
- Bureau dispute letters sent
- Creditor negotiations
- Monthly score monitoring
- Ongoing coaching & support
Get Approved & Get Your Keys
When your score hits the target, we help you prepare for the lender conversation — what to say, what to bring, and how to position yourself for the best possible terms. Then you go get your keys.
- Lender-ready credit summary
- Pre-approval coaching
- Rate negotiation tips
- Celebrate your win
How Long Does It Take?
Most clients see meaningful score increases within 60–90 days. Full program completion — reaching your target score — typically takes 3–6 months depending on your starting point and goals.
Ready to Start Your Journey?
Step one is free. Book your consultation and we'll map out your exact path to approval.
Book My Free Consultation