How Credit Repair Works
A clear, honest look at the customer journey from your initial consultation to tracking dispute progress in your portal.
Your Step-by-Step Journey
Here is exactly what to expect when you partner with us.
Schedule Consultation & Credit Review
Begin with a 1-on-1 consultation with Adrian or Monica Barrera. We listen to your credit concerns and review your current credit reports across bureaus.
- Discuss your short and long-term financial goals (home purchase, auto loan, etc.)
- Review report items for inaccuracy, incomplete reporting, or unverifiable claims
- No high-pressure sales — just honest, straightforward guidance
Understand Terms & Service Agreement
We explain recommended services, package pricing ($100 - $150/mo), and your client agreement transparently before any work begins.
- Clear monthly fees with no hidden setup costs
- 3-day statutory right of cancellation explained
- Clear disclosure of your legal rights to dispute items directly for free
Onboarding & Credit Monitoring Setup
Set up active credit monitoring through Credit Hero Score to track ongoing updates, bureau responses, and score changes.
- Secure onboarding without collecting unnecessary SSNs on public forms
- Step-by-step guidance on connecting your Credit Hero Score account
- Access to your 24/7 Client Portal dashboard
Dispute Preparation & Bureau Submission
We prepare custom dispute communications targeting inaccurate, misleading, or unverifiable items with credit bureaus and furnisher entities.
- Tailored dispute strategies instead of generic template letters
- Addressing charge-offs, collections, late payments, or duplicate entries
- Maintaining organized documentation of all bureau correspondence
Track Progress & Build Healthy Credit Habits
Log into your Client Portal anytime to see bureau responses, track status updates, and receive coaching on credit utilization and payment history.
- Monthly progress reviews and action step updates
- Guidance on maintaining low credit card balances and avoiding new debt
- Preparing your credit file for mortgage or loan underwriting
What Clients Need To Do Along the Way
Credit repair is a partnership. While we manage bureau disputes and report analyses, your daily habits play a vital role in building your financial foundation.
Setting Honest Expectations
No Overnight Guarantees: Credit bureau investigations typically take 30 to 45 days per round. Every report is different, and results vary based on individual history.
Legitimate Debts Cannot Be Erased Fraudulently: Accurate, verifiable negative items legally remain on credit reports until they age off or are modified by the creditor.
Free DIY Option Available: You always have the right to dispute items directly with credit bureaus at zero cost. We offer professional guidance to organize and simplify the process for you.