How it Works

How Our Program Works

Armed with educational resources you’re on your way to reestablishing your name and credit. We know how important good credit is when it comes to lifestyle and purchasing. We repair your credit profile with our program which is designed to tackle the difficult task of negotiating and disputing credit bureaus and creditors. We are dedicated to ensuring you regain your financial freedom. With negative account information and past patterns, we are here to reclaim and repair any inaccurate or questionable history on your credit report. I walk you through the entire process, and update you on the status of your file so you know exactly what is happening.

Step 1 - Consultation


This phone call is to determine if you qualify for our program by discussing your credit situation, your goals, and your timeline. You will have an understanding of the program and a brief overview of the laws surrounding credit.

Step 2 - Enrollment


We understand that your time is important so our enrollment process is quick and to the point. You will receive instructions on how to access your credit report and sign our agreement. Once we have access to your credit report, we will send you a complete analysis of your credit so that you know exactly what is affecting your score. The last step of the enrollment process is a personalized game plan on the accounts that we found are beneficial to attack, upon your approval we immediately start disputing.

Step 3 - Repair & Rebuild


There are two important sides to credit restoration: repairing & rebuilding. The repair side is done completely by Take Charge Credit Consulting. Transparency is key with us, so you will have access to our portal detailing what exactly is happened. You will also get email updates when new disputes go out and texts with results. We assist as much as we can with the rebuilding side by recommending the best routes for you as well as providing you with essential credit education.

Step 4 - Your Goals


The benefits of an increased credit score are endless. You will save money with lower interest rates, you will have access to thousands of dollars in available credit, and more. And ultimately you will be able to get your dream home, dream car, and your dream career. The days of being denied are over, look forward to being APPROVED because you are now in CHARGE.

Services Included in our Credit Restoration Program

Increasing your credit score is my goal and I work hard to challenge the following types of items with the credit bureaus, collection agencies, and/or creditors.

  • Credit inquiries
  • Short sales
  • Late payments
  • Tax liens
  • Foreclosures
  • Accounts in collection
  • Charge-offs
  • Accounts sold
  • Identity theft
  • Duplicate information
  • Bankruptcies
  • Outdated information
  • Medical bills
  • Authorized users
  • Repossessions
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