Credit Rebuilder Program

A Faster Path to
Better Credit

Without doing anything else, your credit score will improve—perhaps as much as 140 points—simply by joining the Credit Rebuilder Program.

Credit Rebuilder Program

Here’s a secret to rebuilding your credit score: You need to build good credit around your bad credit. To do this, you’ll need to open an installment line of credit.

But how can you get an installment line on your credit report if your credit score is bad? It’s a catch-22…

Evergreen’s Credit Rebuilder Program solves that problem.

When you enroll in this program, you will receive a host of member benefits. And the best news?

Your monthly payment will be reported to the credit bureaus as an installment line of credit.

$39.00/month + $99 set up fee

Cancel anytime.

Enroll Now

Plus, as a member of the Credit Rebuilder Program, you will receive:

  • Credit Reporting to the Three Major Credit Bureaus: We will report your on-time payments to Experian, TransUnion, and Equifax, so your credit score will naturally keep improving the longer you stay in the program.
  • Lifetime Access to 7 Steps to a 720 Credit Score: The 7 Steps to a 720 Credit Score education course breaks down the exact rules for building a high credit score in just 12 to 24 months.
  • A Platinum Review of Your Credit Report:If we find errors, we will send certified dispute letters on your behalf and follow up in 45 days to make sure the errors have been removed.
  • Free Legal Support & Consumer Protection: If lenders or credit bureaus have broken laws in collecting or reporting your debt, you will receive free legal advice and consumer protection counsel (when qualified). In fact, if any laws have been broken, our attorneys may help you receive financial compensation.
  • Priority Q&A Support: You will receive top-tier support and priority access to credit experts during monthly Q&A sessions.
  • Free Debt Analysis: One of our licensed consumer law attorneys will analyze your debt and help you develop strategies for financial freedom.
  • Involuntary Unemployment Benefit: Continue your membership without disruption, even during periods of unexpected unemployment
  • A Free Student Loan Evaluation: New laws allow student loans to be discharged through bankruptcy. Our licensed professionals will check to determine whether your loans are eligible for discharge.

This is
Marcey

This is Marcey

Shortly after filing for Chapter 13 bankruptcy, Marcey’s score climbed from 450 to 687. She purchased a brand new 2020 Mustang for her son with a $1,000 down payment and a 6 percent interest rate. Now, she’s on her way to a 720 credit score!

See more people
just like you

FAQs

Have questions or need more info? Please read the most frequently asked questions below.
  • When will I receive my loan?

    This is not a loan. You will not receive any money by joining this program. By enrolling in the Credit Rebuilding Program, you will pay a monthly fee in exchange for: 1) Lifetime access to 7 Steps to a 720 Credit Score; 2) Priority access to our monthly Q&A calls; 3) Qualified legal support and counseling; 4) Platinum review of your credit report; 5) Unemployment benefits (if qualified); and 6) Debt analysis.

    Your monthly payment will be reported to the credit bureaus as an installment account.

  • When will my payment be reported to the credit bureaus?

    Your first $39 payment will be reported to the credit bureau the month after it is made. For example:
    • If your first $39 monthly payment is made in February, it will be reported in March.
    • If you pay the setup fee in February and your first $39 monthly payment in March, it will be reported in April.
    Please note that credit reporting does not happen immediately and typically takes 30-60 days from your initial enrollment date. If you have questions about your payment schedule, feel free to reach out for clarification.

    Payments will be reported to your credit report by Consolidation Capital.

  • When will my credit score start to increase?

    Credit scores typically begin to improve after 4-6 months of consistent payments. However, results vary based on your individual credit history.

  • I’m confused: The program says it’s month-to-month, but it also says that it is 24 months. Which one is it?

    The program is month-to-month, allowing you to cancel at any time. However, full participation for 24 months is the default and is recommended to fully benefit from the program and achieve significant credit improvement.

    If your credit score improves sooner, great! Contact us, and we will cancel your Credit Rebuilder Program at any time, without penalty.

  • Where can I pull my credit report?

    As part of your membership, you will receive a free review of your credit report. Our representatives will guide you through the process and show you exactly how to access your credit report for free.

  • When will my enrollment into 7 Steps to a 720 Credit Score begin?

    Your membership will begin as soon as your account has been setup, which is generally within 72 hours of enrollment.

  • What if I am already enrolled in 7 Steps to a 720 Credit Score?

    Great! If you received 7 Steps to a 720 Credit Score through our partnership with Evergreen Financial Counseling, your membership will continue uninterrupted. Plus, you'll receive all the other benefits of the Credit Rebuilder Program.

  • What if there are two people in my family who would like to enroll?

    Each person will need to sign up individually.

  • Will the payments be automatically deducted from my account?

    Yes. When you completed the agreement, you will enter your payment information. We set up the automatic payments from our end so you do not have to worry about making your payments on time.

  • What if I miss a payment?

    We will alert you as soon as you have missed your first payment. From that date, you will have 30 days to update your billing information. Otherwise, we will cancel your membership immediately so that the late payments do not hurt your credit score.

  • What is the interest rate?

    The interest rate on this program is 0%.

  • Will my credit be pulled for this program?

    No, we will not pull your credit. 100% of our clients will be approved, regardless of their credit score or income.

  • What if I already have an installment account in good standing on my credit report?

    If you already have an installment account being reported to your credit report, then you may not need this program. To help you decide, consider these questions: Is your existing installment account in good standing? Is your credit score improving as fast as you want it to? Will this payment cause a financial hardship for you? If you answered yes to any of these questions (and particularly the last one) please do not enroll unless you are in need of the other membership benefits!