Four steps. A complete paper trail.
From your first report upload to a lender-ready case file, every step is logged, timestamped, and grounded in current FCRA and CROA enforcement guidance. $0 upfront. Billed monthly in arrears. No scored-outcome promises — only a diligent, compliant process and an honest record of what was done.
Who this walkthrough is for
Built for profiles other operators avoid.
These four audiences are exactly the ones mainstream credit repair tends to walk away from. Here is what each gets out of these four steps.
First-time homebuyers
Build a clean tradeline history before you apply for a mortgage — every dispute letter, response, and timestamp persisted in your case file.
New arrivals
Establish a U.S. credit profile from a thin or non-existent file. Bureau seeding and dispute strategy are tuned to sparse histories.
Post-bankruptcy
Re-enter the credit system on your own schedule. Reporting errors and lingering inaccuracies are scrubbed before new credit is requested.
Gig and thin-file workers
Add profile depth when steady W-2 income is missing from the bureau view. Tradeline strategy sized to your actual payment history.
The four steps
From your first upload to a written, audit-ready case file.
Each step links into the corresponding dashboard area once you have an account. A visitor without an account is redirected to sign in first — the dashboard is a gated surface.
- 01
Step 01 · Intake & credit report review
Intake & credit report review
We receive your Equifax, Experian, and TransUnion reports — the ones you already have, or pull them free from annualcreditreport.com if you do not — and open a case file keyed to your identity.
- Secure attachment — your PDFs stay private to your case file.
- Identifies duplicate tradelines, inaccurate balances, and unverifiable accounts.
- Plain-English summary of every item we plan to challenge.
- 02
Step 02 · Violation flagging
Violation flagging
We mark every line that is inaccurate, incomplete, or unverifiable under FCRA §1681i — duplicates, mismatched balances, outdated statuses, and items the bureau cannot validate. No item is sent without a cite.
- Auto-drafted, manually reviewed by your case lead before sending.
- Citations grounded in bureau-side grammar, not generic templates.
- Audit-ready record of every letter, every reason, every timestamp.
- 03
Step 03 · Dispute letter generation
Dispute letter generation
Each disputed item gets a tailored letter grounded in FCRA §1681i. Every draft is saved to your case file before it is mailed — you can read every word we send.
- Auto-drafted, manually reviewed by your case lead before sending.
- Citations grounded in bureau-side grammar, not generic templates.
- Audit-ready record of every letter, every reason, every timestamp.
- 04
Step 04 · Bureau response tracking
Bureau response tracking
A live board across all three bureaus — sent, in review, verified, removed, escalated — with the 30-day FCRA §1681i window enforced and every bureau reply preserved in your case file.
- Independent status for Equifax, Experian, and TransUnion.
- Escalation paths when the 30-day window closes without a response.
- Full bureau reply letters preserved in your case file.
Honest scope
What we don’t do.
Federal law prohibits us from guaranteeing a specific outcome, and it would be the wrong promise to make. This block lists the things you will not hear from us.
What is in scope
- Credit report review across all three bureaus
- Violation flagging grounded in FCRA §1681i
- Dispute letter generation and routing
- Bureau response tracking with 30-day window enforcement
- Score monitoring with explainable deltas
- Audit-ready case file of every letter, response, and timestamp
- Email support from a human reviewer
What we don’t do
- Guarantee a credit score outcome or a specific timeline.
- Remove accurate, verified records from your report.
- Pull new credit on your behalf or open tradelines for you.
- Tell you to dispute items we can’t substantiate, or to stop paying creditors.
- Charge upfront fees — federal law prohibits it, and we built the billing model around it.
Honest scope is the only marketing posture CROA allows. We trade glossy removal claims for an audit-ready case file you can hand to a lender, a regulator, or a partner.
What the law requires — and what we exceed
Every pricing term is compliance-first.
The four steps above are the work. The four terms below are the contract you sign before the work begins.
$0 upfront
Federal law (CROA) prohibits charging before services begin.
Monthly in arrears
Your first bill arrives after your first month of service is delivered.
3-day right to cancel
You may cancel within three business days of signing for any reason.
Written agreement
A signed, itemized disclosure of services is required before any work starts.
FAQ
The five questions we hear first.
Still have a question? Email credloom-2@polsia.app — intake reply within one business day.
Ready to start the four steps?
Start your file — no card required.
A free review of your three-bureau reports — no card, no signup, no obligation. If you choose to continue, the intake walks you through the CROA disclosures and the three-day cancellation right before anything is signed. $0 upfront. Billed monthly in arrears — only after a month of service is delivered.