We start by reviewing your full 3-bureau credit report to identify negative accounts, reporting issues, utilization, inquiries, and other factors that may be affecting your credit.

You’ll complete our intake form and provide access to your current 3-bureau credit report through IdentityIQ. Once your report is available, our team can review your profile and determine the best next steps.

We offer an initial credit review to determine what may be affecting your profile and what type of program or strategy may be appropriate.

No. Credit results cannot be guaranteed. Every credit profile is different, and results depend on the information being reported, creditor and bureau responses, and the client’s own credit habits.

Credit improvement is a process rather than an overnight fix. Our dispute cycles are generally reviewed every 30–35 days, and progress is evaluated as updated reports become available.

Our team reviews eligible negative information, works on applicable disputes and personal-information corrections, monitors responses, and helps you understand what you can do to strengthen your overall credit profile.

Yes. Credit improvement is a partnership. Clients are responsible for making payments on time, keeping credit-card utilization low, avoiding unnecessary new inquiries, maintaining credit monitoring, and following the strategy provided by our team.

No. Continue making payments on active accounts as agreed unless you have received different instructions directly from the creditor or another qualified professional.

We generally recommend limiting unnecessary applications while your credit is being improved. Our team can let you know if adding or rebuilding accounts may benefit your specific profile.

Yes. You are required to keep your IdentityIQ credit monitoring account active throughout the entire credit improvement program. This allows our team to access updated 3-bureau credit reports, monitor changes, track deletions and updates, identify new negative items, and review your progress between dispute rounds.

If your IdentityIQ account becomes inactive or your payment method fails, please restore access within 3 days. An inactive monitoring account can delay report reviews, dispute rounds, and overall progress.

Yes. If your goal is mortgage or auto readiness, we can review factors such as derogatory accounts, utilization, payment history, inquiries, and your overall credit profile to create a strategy toward becoming better positioned for financing.

Our team generally reviews and re-imports your updated credit report approximately every 30–35 days, depending on your dispute cycle and bureau responses. This allows us to see what was deleted, updated, remains unresolved, or has newly appeared.

We will review newly reported negative information during your updated report review. If an item is eligible for dispute or requires a different strategy, our team will determine the appropriate next step.

Credit scores can fluctuate throughout the process. Changes in balances, utilization, new accounts, inquiries, account age, deletions, payment history, and creditor updates can all affect your scores. We focus on improving the overall credit profile, not just one score change.

In some situations, previously removed information can be re-reported if the furnisher later verifies or updates the account. If an item reappears, our team will review the reporting and determine what options may be available.

Client participation is very important. We recommend making all current payments on time, keeping credit-card utilization as low as possible, avoiding unnecessary hard inquiries and new accounts, keeping IdentityIQ active, responding promptly to requests from our team, and notifying us of major changes to your credit report.