What actually happens, month by month.
Two tracks run in parallel from day one: restoration on what's wrong, building on what's missing. Here is the whole thing, including the parts that depend on you.
Two tracks, running at once
Track A — Restoration
Everything aimed at what should not be on the file: reporting errors, duplicates, wrong balances or dates, accounts that aren't yours, and items a furnisher cannot verify when properly challenged under the Fair Credit Reporting Act.
What we can't do: remove accurate, current, verifiable information. Anyone who tells you otherwise is selling you something that doesn't exist.
Track B — Building
Everything aimed at what the file is missing: age, mix, positive payment depth, and healthy utilization. Secured and starter lines, rent and utility reporting where available, and a payoff order that moves the score fastest per dollar.
Why both: a cleaned file with nothing behind it still gets declined. Deletions raise the ceiling; building is what walks you up to it.
A typical six-month file
Days 1–10 · Intake & the readiness consultation
You enroll at $0. You receive the disclosure statement, the contract, and two copies of the cancellation notice, and your three-day cancellation window runs. Then you provide ID, proof of address, and access to all three reports, and we produce the written Credit Readiness Report: every account line-itemed, what we believe is challengeable and on what grounds, what the file is missing, and the plan. The $250 consultation fee bills once that report is delivered — not before. Nothing is mailed to a bureau until you've seen it and said go.
Days 8–45 · Round one
First challenge round goes to the bureaus and, where appropriate, direct to furnishers. Bureaus generally have 30 days to investigate. In the same window we open the first building line and set your utilization targets.
Days 46–90 · Round two & escalation
Results come back. Anything verified without adequate investigation gets escalated — method-of-verification requests, furnisher-direct disputes, and where warranted, a documented complaint. Second building line opens.
Months 4–5 · Depth
Remaining items get worked. The focus shifts to depth: on-time months stacking up, balances driven under 30% and then under 10%, and the account mix filled out so the file isn't one-dimensional.
Month 6 · Position & exit
Final report pull and a written exit plan: where the file stands, what to keep doing, what not to touch, and — if you enrolled for a goal like auto or mortgage-ready — what the next 90 days should look like. Most clients leave here. Some continue on the building track alone.
Four things we need from you.
The files that move fastest are the ones where these four things happen without chasing.
Forward the mail
Bureau and furnisher responses come to you. Send them over the week they arrive — that's what starts the next round.
Pay everything on time
Payment history is the single biggest factor. One late payment during the program can undo a round of work.
Hold the utilization line
We'll give you a per-card target. Staying under it is most of Track B.
Don't apply while we work
New inquiries and new accounts outside the plan change the file mid-flight. Ask first.
See the report first.
The readiness report is where the real decision gets made — for you and for us. If your file doesn't need a full program, we'll tell you that.