How It Works – 1stand10consulting

How It Works

Our Easy 5-Step Process

You don’t have to live with bad credit. Our team will help you gain control over your credit. Through our simple, proven 5-step approach, you’ll be on your way to reaching your financial goals FAST.

We dispute negative items aggressively, and advocate on your behalf to get unverifiable info removed from your credit history—while helping you to strengthen your financial profile.

FREE CREDIT CONSULTATION & SIGN UP

First, we’ll do a quick phone call to see if you qualify as a good fit for our credit repair program (we won’t waste your time if we won’t be able to help). We’ll get an understanding of your credit goals and gather your basic info to determine the best ways that we can help you correct, restore, and repair your credit. This is the most critical part of the process and lays the groundwork for our future success together.

CREDIT & FINANCIAL ANALYSIS

Next we analyze your credit report, scores and public records. After you pull your credit reports from each of the 3 major credit bureaus to make sure all your bases are covered, we’ll carefully examine them for negative info, discrepancies and inconsistencies. Once the reports are reviewed (and we verify all your personal info is correct), we’ll formulate a unique strategy for correcting and repairing your credit. We’ll quickly implement a customized action plan for you—strategically designed to achieve the fastest and most-effective results.

DISPUTE & CLEAN UP

Using the customized game plan developed for you, we’ll put it to work by aggressively challenging and removing questionable items from your credit reports. We go after creditors and the 3 major credit bureaus on your behalf, disputing all negative/inaccurate items. Keep in mind that by federal law, the credit bureaus, creditors, and collectors have 30 days to investigate disputes—so we’ll wait a few weeks for the Credit Reporting Agencies to respond via mail. We’ll celebrate together the negative items are removed!

But what about the items that aren’t removed? That leads us to step 4…

RINSE & REPEAT

Once the reporting agencies conclude their investigations, we’ll follow up to challenge, dispute, or correct negative items as many times as is necessary. It’s very common for negative items initially remain on your report,, and then fall off after multiple disputes. So you’ll see improvements in your credit month after month as we repeat the disputing process with varied and progressively aggressive techniques.

REBUILD & MONITOR

Our goal is not only to remove negative items off your credit reports, but rebuild and re-establish your credit wisely. Credit building is essential to raising your scores, so once the negative items are removed, it’s time to start adding new credit! We’ll help you start establishing positive credit history through new credit lines. You need to walk before you run, so we’ll start with specifically-selected, preapproved lines of credit to add positive information to your report. This will make it easier to get approved for bigger and better credit lines in the near future!

Plus, while we’re rebuilding your credit, you’ll have access to our 24/7 online client portal where you can log in and monitor your progress from your mobile device or desktop—all from the comfort of your own home.