How Change Literacy works
Change Literacy is a top-rated credit repair company established in 2020. Change Literacy uses a trusted and effective process to assist clients in addressing inaccurate or unjust negative items—such as late payments or collections—that are unfairly damaging their credit.
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How credit repair works?
Our core features
Frequently asked questions
What our clients are saying
How credit repair works
Credit repair is a comprehensive process that involves reviewing your credit report, identifying errors, and disputing inaccuracies. Here’s a breakdown of the key steps we take to help improve your credit:
Step 1
Credit report analysis
We gather your credit reports and develop a tailored plan focused on addressing the questionable negative items impacting your credit score.
Step 2
Credit disputing
Our team will handle all necessary correspondence to dispute and challenge inaccurate negative items on your behalf.
Step 3
Dispute escalating
For negative items that require further attention, we maintain the process and ensure your credit rights are accurately and fairly represented.
Step 4
Credit monitoring
Through our online portal and app, we provide 24/7 access to credit score analyses and personalized credit counseling solutions to help you achieve your credit goals.
Our core features
No cost to start
Get started at no cost for 5-15 days and dive into your “Case Setup,” where we’ll work together to match any questionable credit report discrepancies with the right legal interventions and challenges.
Complete credit visibility
From your client dashboard, you can track the progress of your case, monitor activity across all three credit reports, and assess the factors that are positively or negatively affecting your credit score.
Fight for your reputation
We take on tough questions with predatory lenders, unscrupulous credit card issuers, and aggressive debt collectors, legally challenging any unfairly reported information or details that cannot be substantiated.
Powerful legal support
Unlike other companies, we have a team of attorneys leading our credit repair process. With the expertise of our skilled lawyers and paralegals, we assist clients in addressing unfair, inaccurate, and unsubstantiated items on their credit reports.
Challenges to multiple credit bureaus
We strategically dispute inaccuracies and discrepancies across all three major credit bureaus, ensuring a thorough and comprehensive approach to repairing your credit.
Chat with experienced credit consultants
Our team is here to assist you every step of the way. Our credit consultants are available via web chat to answer any questions you have about your credit, the status of your case, or any updates to your account.
Ready to get started?
When you partner with Change Literacy, our billing is simple and transparent. Just like an electric utility bill, we invoice at the end of each service period for the work completed.
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Frequently Asked Questions
What is credit repair, and how can it help me?
Credit repair involves identifying and disputing inaccurate or unfair negative items on your credit report. By removing these, we help improve your credit score, leading to better financial opportunities like lower interest rates and access to loans.
How long does the credit repair process take?
The timeline varies based on your unique credit situation. Generally, it can take 3 to 6 months to see significant improvements. However, we work quickly to dispute negative items and monitor your progress along the way.
How do I get started with Change Literacy?
Getting started is simple! Just contact us for a free credit analysis. We’ll review your credit report, identify issues, and create a personalized plan to help you dispute and remove unfair negative items from your credit report.
How much does credit repair cost?
Our pricing depends on the services you need and the complexity of your credit situation. Contact us for a free consultation, and we’ll provide a transparent quote tailored to your specific needs.
Can Change Literacy remove all negative items from my credit report?
While we can’t guarantee that every negative item will be removed, we will thoroughly dispute any inaccurate, outdated, or unfair marks. Our goal is to improve your score by addressing the most impactful issues on your report.