Have these on hand before you start and you'll finish in one sitting.
A photo of your driver's license or state ID
Front only. A clear phone photo is fine.
Proof of your current address
A utility bill, bank statement, or lease dated in the last 60 days.
Your Social Security card or a document showing the number
Required by the bureaus to pull and dispute your file.
Your credit monitoring login
Don't have one yet? I'll send you the link to set it up — it's about $20 a month and it's how I see your reports.
Heads up: if your current address isn't the one showing on your credit reports, tell me in the portal. Mismatched addresses are one of the most common reasons a dispute comes back unresolved, and it's worth fixing before we send anything.
What happens next
TodayYou create your account and upload your documents.
Within 2 business daysI pull all three reports and read them line by line — not a software scan. You get a written breakdown of what's on your file and what's actually hurting your score.
Week oneWe go over your plan together, and I send your first round of disputes on the errors we identify.
Every 30–45 daysResults come back, I review them with you, and we decide the next move based on what the bureaus actually said.
One thing I want you to know up front: you're in control of this process, not the other way around. You'll always know what was sent, what came back, and why we're doing what we're doing next. No guessing.
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