Our Process

How Attorney-Led Credit Repair Works

A proven 4-step process that combines legal expertise with credit restoration strategy.

01

Free Credit Analysis

We pull your credit reports from all three bureaus and conduct a comprehensive review.

What We Do:

  • Obtain reports from Experian, Equifax, and TransUnion
  • Identify every error, inaccuracy, and negative item
  • Flag potential FCRA and FDCPA violations
  • Assess your credit building opportunities

What You Get:

  • Detailed credit report summary
  • List of disputable items with legal basis
  • Estimated timeline for improvement
  • Recommended service plan
Duration: 1-2 business days Cost: FREE
02

Legal Dispute Strategy

Our attorneys craft customized dispute letters citing specific federal law violations — not generic templates.

What We Do:

  • Research creditor and collector licensing
  • Identify specific FCRA/FDCPA violations
  • Draft legally compliant dispute letters
  • Prepare escalation documentation

Why It Matters:

Generic dispute letters get ignored. Our attorney-crafted disputes cite specific legal obligations, forcing bureaus and creditors to respond properly or face liability.

Duration: 2-3 business days Cost: Included in service
03

Bureau & Creditor Action

We handle all correspondence, follow-ups, and escalations until errors are corrected or removed.

Our Process:

  • Submit disputes to all relevant bureaus
  • Track response deadlines (30-45 days by law)
  • Follow up on non-responses
  • Escalate to bureau management when needed
  • Challenge reinvestigations if disputes are rejected

Your Involvement:

Minimal. We handle everything. You'll receive updates through your client portal and email notifications at each milestone.

Duration: 30-90 days per round Cost: Included in service
04

Score Improvement & Monitoring

Track your progress in real-time. We continue until we've maximized your score potential.

Ongoing Services:

  • Real-time credit score tracking
  • Monthly progress reports
  • New negative item alerts
  • Credit building strategy adjustments
  • Round 2+ disputes if needed

Typical Timeline:

Most clients see initial improvements within 45-60 days. Full optimization typically takes 4-6 months depending on the number and complexity of items.

Duration: Ongoing (4-6 months typical) Cost: Monthly service fee

Ready to Start?

Your free credit analysis is the first step toward better credit.

Get Your Free Analysis