Understanding Your FICO Score
Your credit score is calculated from five key factors. Learn what impacts your score the most.
Payment History
35%Your track record of paying bills on time
Target: 100% on-time
Credit Utilization
30%How much of your available credit you're using
Target: Under 9%
Length of Credit History
15%How long you've had credit accounts open
Target: 4-5 years average
Credit Mix
10%Variety of credit types (cards, loans, etc.)
Target: Revolving + Installment + Open
New Credit/Inquiries
10%Recent applications for new credit
Target: 2-3 max
Credit Score Ranges
Our Goal: Help you reach 740+ (Very Good) within 90 days, and 800+ within 18 months.
The 90-Day Credit Repair System
A proven 7-phase approach to systematically repair your credit and maximize your score improvement.
Nuclear Audit & Dispute Blitzkrieg
Pull all 3 credit reports, freeze secondary bureaus, identify all negatives, and send validation letters to all bureaus and creditors.
Goodwill Campaign
Call creditors for goodwill removal of legitimate late payments. Try 3 different reps, then escalate to CEO if needed.
Pay-for-Delete
Contact collectors with pay-for-delete offers. Get written agreement BEFORE payment. Target collections under $1,000.
Authorized User Strategy
Get added as authorized user on a family member's aged account (750+ score, 10+ years, under 10% utilization).
Rapid Rebuild
Open strategic new accounts: secured cards, credit builder loans, Self Lender, Chime Credit Builder.
Utilization Manipulation
Pay cards BEFORE statement closes. Follow the 1% rule: keep 1-9% utilization on statement date.
Inquiry Removal
Dispute unrecognized inquiries with bureaus. Clean up remaining hard pulls from your report.
Total Possible Improvement
+295-515 Points
Following the complete 90-day system
Deletion Success Rates
See the real-world success rates for removing different types of negative items from your credit report.
By Account Type
Why Disputes Work
Under the Fair Credit Reporting Act (FCRA), creditors must prove the accuracy of reported information. If they can't validate the debt within 30 days, they must delete it.
70%
of debts cannot be properly validated and must be deleted
What We Request in Validation
- Original signed contract with your signature
- Complete itemized payment history
- Proof of chain of ownership
- License to collect in your state
- Name and address of original creditor
- Date of last payment
The True Cost of Bad Credit
Bad credit doesn't just affect your score—it costs you real money every day of your life.
$89,000
Higher Mortgage Rates
Extra interest over 30-year mortgage
$24,000
Higher Car Loan Rates
Extra interest across multiple vehicles
$38,000
Higher Insurance Premiums
Auto and home insurance surcharges
$150,000+
Lost Opportunities
Denied loans, rentals, jobs, and more
30-Year Lifetime Cost
~$300,000
The true price of living with bad credit
Return on Credit Repair
150-300x
$1-2K investment → $300K lifetime savings
Every day you wait costs you money. Start repairing your credit today.
Ready to Take Control of Your Credit?
Start your 90-day journey today. Our AI-powered system guides you through every step of the credit repair process.
No credit card required. Start improving your credit in minutes.