Credit Rebuilder Program

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.

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.

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

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.

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.

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

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.

Each person will need to sign up individually.

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.

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.

The interest rate on this program is 0%.

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

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!