5-Month Strategy Plan
A proven roadmap to maximize your credit repair results
Upload a report to personalize your plan
Once you upload a credit report, your strategy plan will be tailored to your specific negative items.
Upload Report1
Month 1Foundation & Quick Wins
In Progress- Upload all 3 bureau credit reports
- Identify and dispute easy errors (wrong addresses, duplicate accounts)
- Dispute all unauthorized hard inquiries
2
Month 2Collections & Charge-Offs
Upcoming- Send debt validation letters to all collection agencies
- Dispute unverifiable collections with all 3 bureaus
- Request pay-for-delete agreements on verified collections
3
Month 3Late Payments & Goodwill
Upcoming- Send goodwill letters to original creditors for late payments
- Dispute late payments with FCRA violation arguments
- Follow up on Month 1 & 2 disputes
4
Month 4Escalation & Verification
Upcoming- Escalate unresolved disputes with CFPB complaints
- Send Method of Verification requests
- Dispute any re-aged accounts
5
Month 5Score Optimization
Upcoming- Review final results across all 3 bureaus
- Request credit limit increases on positive accounts
- Plan next steps for continued improvement