No black box. Every phase has a defined action, a deadline, and a measurable outcome on your file.
Phase 01
We pull Experian, Equifax, and TransUnion files and compare them line by line. Duplicate tradelines, re-aged debts, unverifiable collections, and unauthorized inquiries get flagged with the statute they violate.
Phase 02
Round one challenges the highest-impact inaccuracies with documented evidence. Bureaus have 30 days to verify or delete. Each response is logged and drives round two.
Phase 03
For items that survive round one we go direct: debt validation demands, method-of-verification requests, goodwill negotiation, and pay-for-delete where it makes financial sense.
Phase 04
Removals only get you halfway. We build the positive side: utilization targets, payment sequencing, credit mix, and authorized tradelines that compound month over month.
