How It Works

Our 4 Step Process

Getting Started

You can utilize our online form or call us at 1.888.260.8969. An email with easy instructions on how to get the three bureau credit report to SCI, which is something that we require to start the process (a new credit report may be requested from time to time to update the progress). We also recommend that you sign up with Privacy Guard which is only $1.00 for the first 14 days! Once that is done we ask that you provide us with the login information so we can retrieve reports and upload them into our system to start improving your credit!

Review + Set Up

When we receive your credit report, we will conduct an extensive review, note any items that we need to resolve and email you a list of items we have identified as dispute candidates for your review. Our analysis will recognize the derogatory accounts on your credit report which do not meet reporting guidelines, as well as questionable items that may be challenged.

The Dispute Process

Our credit specialist will work to challenge inaccurate items by sending dispute letters on your behalf to the three major bureaus: Experian, Equifax, and TransUnion. Responses will be sent directly to you so you can see the results as they happen. If the challenged items are not corrected, automatically SCI will send re-disputes that are customized and designed to maximize the possibility of achieving the preferred result.

Your Case Status

In addition to receiving an email of items challenged on your behalf, you will also have to access to your personal online dashboard so that you can view your progress at any time!


Select the program that is right for you from our 3 customized options! Sign up is super easy online. All major credit/debit cards are accepted. There are no pre-set obligations, Cancel Anytime!

  • P.A.D. Program

  • $0/MO
    • $75 Setup and Review
    • 0 monthly fees
    • Charge for Corrected/Removed Items Only
    • 24/7 Access Online Dashboard
    • $20 Per Deletion
    • 90 Day Money Back Guarantee
    • Cancel Anytime

BEST VALUE! Aggressive Credit Repair
  • Fast Track Program

  • $89/MO
    • $90 Setup and Review
    • Unlimited Bureau Challenges
    • Credit Score (TU)
    • Credit Alerts(TU)
    • Advanced Credit Repair Tactics/DValadations
    • Cease & Desist Letters (Harassing Phone Calls/Creditors)
    • 24/7 Online Access Dashboard/Track Your Results
    • 90 Day Money Back Guarantee
    • No Limit on Deletions
    • Cancel Anytime

  • Elite Plus Plan

  • $69/MO
    • $75 Setup and Review
    • Personal Credit Coach
    • Credit Bureau Disputes
    • 24/7 Access Online Dashboard
    • 90 Day Money Back Guarantee
    • Cancel Anytime