Stuck in the 400s, 500s or 600s no matter what you try?
Deleting your bad credit was never going to get you approved. Start your free trial of our Credit Rebuild program today, and my team starts working on your credit while everything you just learned is still fresh.
Comment "me" if this sounds like you…
- You pay your bills on time now… and your score still won't budge.
- You've got collections, late payments, repos, charge-offs, student loans or a bankruptcy weighing you down.
- You keep getting denied for the apartment, the car, the credit card or the house your family deserves.
- You've tried disputing, deleting, "hacks" and tricks, and you've been at this for more than a year.
- You paid someone who promised to "delete everything"… and nothing really changed.
- You're not even 100% sure what's on all three of your reports right now.
If you checked even one of those, it's not because you're bad with money. It's because nobody ever taught you the other 90%.
I was a 437. I got scammed out of $2,000. Here's what actually fixed it.
In 2015 I was a manager at Chase Bank. Then my dad was diagnosed with a brain tumor. I was the only English speaker in my family, so I became his power of attorney and lived at that hospital. The bank told me to come back or get let go. I couldn't leave my pops.
That's when it clicked. Banks don't approve you based on how good you are at deleting your past. They approve you based on something called credit worthiness, and the beautiful thing is, you don't delete your way to it or buy it. You create it.
Today I have over $187,000 in credit card limits, I got approved for a house, and I was just approved for a $20,000 limit card with a bankruptcy still on my report. I'm not better than you. I'm not special. If I did it, so can you.
The same playbook our clients are using right now
The Statement Closing Date
Not your due date. The day your balance actually gets reported. We show you your dates and how to make them work for you instead of against you.
The Tap & Pay Method
Tap the card, pay it 30 seconds later from your banking app. We coach you on doing it the right way, so you report low balances without getting back into debt.
Disputes Done For You
We audit all 3 reports and prepare your dispute letters for anything inaccurate, incomplete or unverifiable. Once you're enrolled, we print and mail them to the bureaus, creditors and debt collectors for you.
What happens when you focus on the 90%
Some of our clients have seen their credit scores go up by as much as 121 points in their first 30 days, just by building credit worthiness the right way.
A few real examples from our clients:
These are individual examples, not typical or expected results. Every situation is different. See the full disclaimer at the bottom of this page.
Everything you get in your free trial
You already did the hard part: you sat through the whole lesson and it made sense. Now let my team hold your hand while you're still fired up.
- ✓Full 3-bureau credit auditWe go line by line through Equifax, Experian and TransUnion and show you exactly why you're stuck: what you're doing right, what's wrong, and what you haven't done yet.
- ✓Your personal 10/90 game planThe right steps, in the right order, for your file. No guessing, no hacks, no clickbait.
- ✓Your dispute letters, preparedWe start building your dispute letters right away for anything inaccurate, incomplete or unverifiable, so they're ready to go out to the bureaus, creditors and debt collectors once you're fully enrolled.
- ✓Rebuild & boost coachingStatement closing date strategy, Tap & Pay, utilization, and which secured or starter cards fit where you are right now.
- ✓Reporting-error reviewWe look for the kind of errors I found on my own reports (like a debt included in a bankruptcy still showing a balance) and tell you your options.
- ✓Credit Tracker App accessWatch your progress and message our team any time you feel stuck.
- ✓A CCA-certified team in your cornerReal people who do this every day, Monday through Friday.
What we will never tell you
- "Pay me and I'll delete all your bad credit." If anyone says that, run.
- "We guarantee you'll be in the 700s." Nobody is above the law, not us and not the bureaus.
- "Just dispute everything and you'll get approved." That's the 10%. Approvals come from the 90%.
What we will do: tell you the truth about your file, fight what shouldn't be there, and build the credit worthiness that gets you approved.
Before you start
Is the trial really free?
What happens during my free trial?
We get to work on you right away: we audit all 3 of your reports, build your 10/90 game plan, start your rebuild and boost coaching, and start preparing your dispute letters. Once you're fully enrolled, those letters go out to the bureaus, creditors and debt collectors.
Do I need SmartCredit?
Yes. We work from your real 3-bureau reports, not from memory, so every client keeps an active SmartCredit monitoring account.
Couldn't I just do this myself?
Honestly? Yes. Everything we do for our clients, you can learn on my lives. People join because they don't have the time, they don't want the learning curve, or they're tired of guessing and want someone to hold their hand.
How long does fixing my credit take?
Every file is different, so I can't promise a timeline. In my opinion, fixing your credit shouldn't take more than about 12 months when you're doing the things that are proven to work. If you've been stuck longer than that, something in your strategy is off.
What if I have a bankruptcy or a repo?
So did I. Both. A bankruptcy or repo doesn't mean you can't create credit worthiness. I got approved for a $20,000 limit with a bankruptcy still on my reports.
Do you work with everyone?
We only work with people in the United States, and we don't currently offer credit repair in Georgia.
Let's get you started 🙌
Quick check: what state do you live in?