1
Schedule online through Setmore
Choose a convenient appointment time online, then prepare a current three-bureau report for your review.
How it works
A credit plan you can understand and follow.
Credit improvement is not one letter or one trick. It is an organized process built around accurate information, consistent participation, and the right strategy.
Your path forward
Five steps from report review to progress tracking.
2
Review your current report
We review collections, charge-offs, utilization, late payments, and other factors affecting your credit profile.
3
Build your personalized strategy
We identify dispute, validation, settlement, and credit-building opportunities based on your goal and timeline.
4
Implement the plan
We prepare the appropriate actions while you follow the utilization, payment, monitoring, and document-upload steps.
5
Review progress monthly
We compare bureau updates, discuss results, and adjust the plan as creditor responses and your report change.
What we review
The full picture—not just negative items.
Credit Analysis
A three-bureau review of reporting, balances, dates, status, utilization, and payment history.
Dispute & Validation
A focused review of inaccurate, outdated, incomplete, or unverifiable reporting.
Settlement Strategy
Account-by-account planning, starting with offers that fit the client's budget and goal.
Utilization Planning
Practical balance targets designed to reduce revolving utilization in manageable stages.
Mortgage Readiness
Education on reporting, debt-to-income considerations, open disputes, and partner communication.
Progress Tracking
Monthly monitoring and organized client updates so the next action stays clear.
Your part matters
Progress is a partnership.
The strongest files are built when clients stay engaged, monitor changes, forward correspondence, and follow the action plan.
- Keep credit monitoring active throughout the program
- Upload creditor and bureau letters within seven days
- Make all current payments on time
- Avoid unnecessary applications and new debt
- Attend monthly progress reviews
TCCR video answers
Understand your program timeline.
Choose a question to read the answer and watch a short explanation from Harley.
Your next step starts with a clear credit plan.
Choose a convenient appointment time online, then come prepared with a current three-bureau report and your questions.