Get Started with 911 Credit Builder’s Done-For-You Credit Repair Program

Step 1: Obtain Your Credit Report

We need to review your credit report to see what’s being reported by the three major credit bureaus (TransUnion, Equifax, and Experian). Don’t worry—this is a soft inquiry, so it won’t harm your credit scores.

1. Click here: Get Your Credit Report for $1

2. Sign up for the credit monitoring service (7-day trial for $1, then $21.99/month).

3. Save your login credentials (username, password, and security question answers).

4. Provide us with the following:

   • Login details

   • Password (make sure it's 10 characters long and symbols are not at the end). Example: Cal!2Me2gd

   • Last four digits of your Social Security Number

Forward this information to us so we can review your credit file before your consultation.

Step 2: Review Your Credit Report

Once we have your report, our team will conduct a thorough analysis to identify:

• Questionable negative items that may be eligible for disputes

• Your overall credit utilization

• Late payments, collections, and other derogatory marks

During this step, we’ll discuss strategies for tackling these issues and improving your credit health.

Step 3: Verify Your Identity and Address

To process dispute letters, the credit bureaus require proper identification and address verification. Ensure all documents are current and have matching addresses.

Required Forms of Identification:

Need Two forms of acceptable address verification pick 2 that are the easiest for you from the list below: (Remember your identity’s must be the same current address on both)

1. Copy of current Driver’s license with current address

2. 1st page of Bank / Credit Union Statement

3. Most recent copy of a Utility Bill such as:

1. Electric

2. Gas

3. Water

4. Phone Bill

5. Cell Phone Bill

6. Cable/Internet Bill

4. State Id showing your current address.

5. Current Mortgage statement showing your current address.

6. Most recent 1040 tax return 1st page showing your current address.

7. Most recent copy of Insurance statement.

8. W2 form or 1099 form showing your current address.

Social Security Number (SSN) verification needed pick 1 from the list below:

1. Copy of Social Security Card

2. Paycheck stub with SSN on it

3. W2 form with current address on it

4. Letter from the SS Admin

Tip: Most clients find their Driver’s License and Utility Bill and copy of your Social Security Card the easiest to submit.

Step 4: Set Up Your Payment

Our services include Credit Coaching, Documentation Preparation, and Disputing Negative Items on your behalf.
The Holiday Special is $40/month for six months (50% off the regular price). This special ends December 31, 2024, so act now to lock in the discounted rate!

Payment Options:

1. Bank Account (Checking Only): Provide your account name, account number, routing number, and associated address. We’ll set up automatic deductions.

2. Credit or Debit Card: Call or text us at 702-275-9270 to process your payment over the phone.

3. Zelle: Send payment to 702-275-9270 (Gene).

4. Venmo: Use @Gene-Davis-34.

5. Make payment through our website click here

Step 5: What to Expect Next

Once we have your credit report, verified ID, and payment information, here’s what will happen:

1. You’ll receive access to your Client Portal, where you can:

   • Sign your paperwork/contract

   • Upload your ID and address documents

   • Track your credit repair status 24/7

2. We’ll create a personalized action plan for disputing negative items.

3. Dispute letters will be prepared and sent to the credit bureaus.

4. You’ll receive monthly updates on your progress through the portal. your goals.

Maintaining Your Credit Health

Once your credit profile has been repaired, it is vital to adopt strategies that will help maintain the improvements you have achieved. A proactive approach to managing your credit health ensures that you do not revert to previous issues and can take full advantage of any new financial opportunities that arise. One of the foundational aspects of maintaining credit health is regular credit monitoring. By keeping an eye on your credit report and score, you can identify any discrepancies or emerging issues early on, allowing for timely intervention.

Additionally, responsible use of credit is paramount. This includes utilizing credit cards wisely and not exceeding 30% of your available credit limit. Such responsible habits not only contribute to a lower credit utilization ratio, which positively impacts your credit score but also demonstrates to lenders that you are capable of managing borrowed funds effectively.

Timely payments are another crucial factor in the sustainability of your credit health. Setting up automatic payments or reminders can be an effective way to ensure that you never miss a due date. Remember that payment history is one of the most significant components of your credit score, so maintaining consistency in your payments cannot be overstated.

Furthermore, it is advisable to minimize new credit inquiries. While establishing new credit can sometimes be necessary, too many inquiries in a short period can signal financial instability to lenders. It is essential to approach new credit judiciously and only apply when you genuinely need it. By viewing credit repair as an ongoing commitment rather than a mere one-time fix, you can pave the way for a stable and healthy credit profile that opens doors to favorable interest rates and better financing options in the future.