How Does the DIY Credit Repair Process Work? – Step-by-Step

Our process is built around the Smart Credit Algorithm, a proprietary 9-step strategy designed in-house over years of advocacy work. 

Here’s how it works:

1. Credit Analysis – We audit your report and identify problem areas.

2. Dispute Letter Creation – Our team ghost-writes letters customized to your accounts.

3. Letter Management – You can print them yourself OR use our Print Service for full done-for-you prep & postage.

4. Legal Partner Review – Attorneys review for compliance violations (potential lawsuits = cash awards for you).

5. Rounds of Disputes – Each round lasts 35–45 days, with escalating tactics (9 total steps).

6. Progress Tracking – Your dispute portal shows updates, results, and next steps.

7. Coaching & Support – Weekly live Q&A calls, accountability sessions, and community engagement.

8. Positive Credit Building – We help you rebuild with secured/unsecured cards, credit builder loans, etc.

9. Graduation – Members complete the process with higher scores, funding access, and financial freedom.

This process is scientific, compliant, and results-driven, not guesswork.

✅ You’ve got questions—we’ve got solutions.
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