• How It Works

  • Our Process

    Below explains he first three steps to getting you the credit scores that you deserve. On all three Credit bureaus.

  • 1. Analyze

    Once you sign up, the process of repairing your credit will immediately take effect. You should expect to receive a welcome call from one of our friendly customer service representatives within a couple days. In this, you will be instructed to pull your credit report from the three major credit bureaus, Experian, TransUnion and Equifax. Why do we ask you to pull your own credit report? Well, because having your credit report pulled from anyone besides yourself could be negative toward your score. Once you have successfully pulled your credit report, you will then send it to our credit experts, and we will begin the analysis process. What we are looking out for is errors, false information, miscalculations, and so on. There is a good chance that errors will be found on your report, since about 25% of credit reports contain mistakes. We will closely review every aspect of your credit report, from your name to your oldest credit history.

  • 2. Challenge

    This is when all the action happens. After reviewing your credit report, our CreditMonsters team will then begin to dispute the questionable items with your creditors. It is in this step that we will inform your creditors of the errors on your report via letters, and offer our reasoning as to why these negative items should be removed. According to the Fair Credit Reporting Act, the credit bureaus are obligated to read and respond to every letter that they receive, so you are guaranteed to receive response letters and correspondence. All the hard work during this process will be left up to us – we will conduct all communication with your creditors on your behalf, so the only thing you have to do is sit back and watch the results unfold. Once the creditors remove the negative items from your report, they will send us updates, and you can then keep track of your results 24/7 through our website.

  • 3. Get Results

    Within only a couple of months, you will begin seeing results on your credit report due to the effectiveness of our disputing process. Meanwhile, our friendly customer service staff will provide you with constant notifications about which items are being removed, and any changes that are happening to your credit report. Keep in mind that the disputing your errors is not a one-step process; we will send many round of dispute letters, so if you don’t see the results you hoped for in the first round, rest assured that you will definitely see them in the second or third. Once the process is complete and your negative items are removed, you can then begin establishing new credit. It is in this step that you can finally begin rebuilding your finances and getting yourself back on track. In resolving the negative items on your credit report, our CreditMonsters experts offer you a financial freedom that would have never been possible before.