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Here's how it all works, step by step.

The Full Credit Repair Process

Day 1-3
Free Consultation & Enrollment
After completing your consultation along with submitting payment credentials for your billing you will be given instructions via your welcome email and welcome text message on the necessary steps needed to move along with the process.
Day 1-3
Step 1
Sign Your Agreement
Contracts! Every company has them – and all parties involved need them. But don’t worry – Captain Credit does not lock clients into long-term agreements. Our service is based on a month-to-month membership, and you’re free to cancel at any time, no strings attached! However, in order to move forward to Step 2, we do require your digital signature.
Step 1
Step 2
Set Up Your Credit Monitoring
In order to effectively assist with credit repair, it’s essential that we can track and monitor your credit challenges on a regular basis. That’s why Captain Credit has partnered with IdentityIQ to give you access to comprehensive, high-quality consumer data reports. With our service, we don’t just “Track,” “Build,” and “Master” your credit — you also benefit from all-in-one monitoring for your credit, finances, and identity protection.
Step 2
Step 3
Proof Of Identity
Please upload clear photocopies of your proof of identification documents one at a time using your secure client enrollment form. Accepted documents may include, but are not limited to: Driver’s License, Passport, Social Security Card, Tax Return, W-2, and Proof of Address. ✅ Congratulations – you're all set! Your part is complete!
Step 3
Day 4
Let The Disputing Process Begin!
Nothing makes us happier at Captain Credit than getting our clients to this exciting stage! This is where the magic truly begins. By this point, we’ve completed your personalized Credit Improvement Action Plan, and we are now preparing your file to start the disputing process and mailing out your customized letters. Remember — EVERY SINGLE NEGATIVE ACCOUNT that we identify as correctable is addressed with a letter written specifically for your profile. There are NO “cookie-cutter” letters here! Every client is unique, which is why each letter must also be unique — this ensures we are maximizing every opportunity to deliver the best possible results for your credit profile.
Day 4
Day 5 - 30
The infamous "Waiting Game"
When a dispute is filed against a creditor, the Fair Credit Reporting Act (FCRA) requires that creditor to be given a legal window of 30 calendar days to respond. Now, we know what you might be thinking… and trust us, we completely understand! But remember — PATIENCE & PERSISTENCE are the two most powerful tools we have to maximize your success. Throughout this process, you’ll need to practice a little patience as well. Here’s why creditors are allowed these 30 days to respond in writing: The credit bureaus are actively working with both your creditors and debt collectors to thoroughly investigate the accuracy of each disputed account. During this initial phase of the dispute process, there is nothing we can legally do to accelerate the timeline. But don’t be discouraged — there’s still plenty happening behind the scenes at Captain Credit! This is exactly why we’ll be staying in close contact with you — through emails, text messages, and regular updates. In some cases, you may hear from us daily! If you ever have any questions or concerns, don’t hesitate to reach out to your Solutions Manager — we are always here to support you!
Day 5 - 30
Day 31 - 35
New Reports & Scores
This is the perfect time for us to re-evaluate and strategize! New reports, new scores — new opportunities! At this stage in your credit journey, you should begin receiving mail from the credit bureaus regarding your first round of investigations. As a courtesy, we ask that you please forward ANY & ALL correspondence to our office at support@captaincredit.com, OR you can securely upload your bureau responses through the “Next Round Submission” forms you will receive from us.
*Please note: While Captain Credit is highly skilled in Credit Enhancement and Restoration, it is important to understand that there is no guarantee that every negative item will be removed with each dispute. Our goal is to help clear your credit reports with all three major credit bureaus in the shortest time possible.*
Day 31 - 35
Day 36 - 44
"Wash....Rinse.....Repeat"
After thoroughly reviewing your file, we will follow up with all necessary parties — including the credit reporting agencies, original creditors, and any remaining debt collectors. We will send debt validation letters where needed and continue this process month after month until we achieve the desired results. At Captain Credit, our goal is simple: we don’t take "no" for an answer — we fight until you get the results you deserve. If last month we presented Reason A for why an item should be removed and it wasn’t successful — this month, we’ll come back with Reason B. Persistence wins the game — and we’re in it with you for the long haul.
Day 36 - 44
Day 45 - 60
Start Adding New Credit
Now is the perfect time to start rebuilding and re-establishing your credit history with the credit bureaus. And here’s the good news — Captain Credit has its very own list of recommended Credit Building Credit Cards to help you get started! If you’d like guidance on which starter credit cards to apply for, simply reach out to your Solutions Manager — we’ll be happy to share our top recommendations with you.
Day 45 - 60
Day 65+
Ongoing Battle Until YOU WIN!
Fighting is in our DNA at Captain Credit! You may notice that results sometimes slow down at this stage — but that does not mean it’s time to wave the white flag. Absolutely not! With every round, month after month, we become more strategic and more persistent — until we achieve victory on your behalf. If you ever have questions about the process or what’s ahead, your Solutions Manager is always available to guide you. And always remember: 👉 Trust the process. 👉 Continue to educate yourself. 👉 Stay flexible and open to suggestions. If you do this — YOU WILL SUCCEED. Thank you for allowing us to serve you. We appreciate you, and we’re honored to be part of your journey. We believe in you — and we’ve got your back!
Day 65+

Track our success

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