Here's how our credit repair works.
We make it easy for you to take control of your credit reports and your overall financial wellbeing.
All you need to do is follow these three steps. Our credit repair works fast and effective and our results are the ultimate confirmation.
STEP 1: SIGN UP ONLINE
Get access to your account and your personal credit analyst.
Once you sign up online with CreditUs, you will receive an email with your login details to your CreditUs online account. The online account is where you log in and track your credit repair process.
At the same time, you are assigned to your own personal Credit Analyst who possesses both the knowledge and the expertise to handle your case.
STEP 2: TALK TO YOUR CREDIT ANALYST
He will guide you through the entire process
Shortly after you have been assigned to your personal Credit Analyst, he or she will contact you.
If you need to know how credit repair works or you have any inquiries, your credit analyst is the person to talk to. He will answer all your questions. He will also require personal information used to access your credit reports as well as provide you with valuable insight that will make sure you get the most out of your credit report repair process.
STEP 3: SIT BACK AND RELAX
Track your credit repair process
When your Credit Analyst finishes preparing your investigation, your actual credit report repair process begins.
It consists of 4 consecutive investigations with the Credit Reporting Agencies (Equifax, TransUnion and Experian), each lasting for 37 days. During each of the four investigations, our team will work on your behalf to remove negative items from your credit reports.
It’s important you assign your mortgage professional to your case, using your online account. This will help us work directly with him or her and speed up your loan approval process. He will provide us with the minimum score needed for loan approval as well as your credit scores, while we keep him or her notified whenever each investigation ends and your reports and scores are updated. He can then re-check and see if you qualify for loan approval.
Everytime one of your investigations ends, meaning every 37 days, your updated results will be available for you to see them in your online account. At the same time, your mortgage professional will be notified that he needs to pull your updated credit reports and check to see if you qualify for loan approval.
Your mortgage professional will then update your scores and let us know if you qualify or not. The scores as well as your new financing status will also be visible in your online account.
Qualify for loan approval in as fast as 7 days
Our credit repair works so fast that in certain conditions, you may actually be able to qualify for loan approval in only 7 days since your credit repair began.
If your credit score is within 30 points of the minimum score needed for loan approval, there’s a 50% chance you may receive a boost in credit score that will qualify you for loan approval, only 7 days after your first out of four investigation begins. We’ll notify your mortgage professional if he needs to check your scores.
Your credit report repair will end when all your four investigations are completed.
As a matter of fact, even if you qualify for loan approval during the first, second or third investigation, we will still complete all four stages of your process to make sure that your reports and scores receive the maximum improvement possible.
