From your first upload to a credit profile that holds on its own — here's every step of the process, and exactly what you get at each one.
Upload your credit report from annualcreditreport.com, Credit Karma, or myFICO. Our AI reads it in seconds — every score, every account, every negative item — and immediately discards the file. Nothing stored.
Your average score is 663. You're 17 points from the 680 prime threshold. One tradeline is recommended. Expected gain: +35 to +55 points by next reporting cycle. Sustainability is moderate — you'll need to open a credit-builder account during the sprint to hold the gain.
You don't have to wait for a tradeline slot to start improving. Your dashboard gives you a prioritized checklist the day you sign up.
Letters are drafted for you — personalized, professional, and written in your name. You print, sign, and mail them. Nothing is done on your behalf.
Once a slot opens and your sprint begins, you're added to an established credit account as an authorized user. The account's history — years of on-time payments and low balances — appears on your credit report.
This is the window most people waste. While your score is climbing, the AI is coaching you through the parallel actions that determine whether your gains last. Don't skip them.
The accounts you opened in the first weeks are now accumulating payment history. Your score is being supported from two directions — the boost accounts and your own growing profile.
Two weeks before your sprint ends, your AI advisor assesses your own account mix — without the boost tradelines. If there are gaps, you get specific actions to close them before the tradelines come off.
Clients who follow the full checklist during their sprint typically hold 80–90% of their score gain after the tradelines are removed. Your own history is what makes the difference.
Starting around 660, here's what a typical client journey looks like across the 90-day window.
Your analysis identifies every letter opportunity. We draft each one in your name, with your account details. You review, print, sign, and mail. That's it — you're exercising your own FCRA rights, and we make it easy.
Send via certified mail with return receipt. Bureaus and creditors must respond within 30 days. We track which letters you've sent and follow up in your next analysis.
Get your letters drafted freeFor items that may be inaccurate, outdated, or unverifiable. Bureaus must investigate and remove anything they can't verify.
For isolated late payments on otherwise good accounts. Asks the creditor to remove the negative mark as a courtesy — works more often than people expect.
For collection accounts. Under the FDCPA, collectors must prove the debt is yours and the amount is correct. Many can't — and the account must be removed.
For removing yourself from prescreened offer lists that generate hard inquiries. Reduces unwanted credit pulls on your report.
Upload your credit report, get your full analysis, and know exactly what it would take to move your score. Free, private, takes 60 seconds.
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