We begin every credit repair journey with a complete audit of your credit reports from all three major bureaus — Experian, Equifax, and TransUnion. Our specialists review every item, line by line, to identify errors, outdated accounts, and inconsistencies that may be lowering your score.

During this stage, we also assess your credit utilization, payment history, and account mix to uncover improvement opportunities. Once analyzed, you’ll receive a personalized CreditWorks Report detailing actionable steps, including which items to dispute, what accounts to prioritize, and how to optimize balances.

Our process combines smart software tools with human expertise to ensure accuracy and compliance under the Fair Credit Reporting Act (FCRA). Clients typically start seeing progress within the first few months, as verified updates appear on their reports.