Step 1: Enrolling as a Client
You will enroll yourself as a client using our self-service application. Prompts will appear for you to add your personal information along with your card information. YOU WILL NOT BE CHARGED FOR ANYTHING DURING YOUR ENROLLMENT PROCESS! You will not be contacted until we have received a complete application.
Step 2: View Your Full Credit Report
You will order your credit report through the application with our credit monitoring partner (MyFreeScoreNow). The fee for the credit monitoring is separate from your monthly credit repair subscription. It is $1 for the first 7 days, and then you will be charged $24.97 monthly. Your MyFreeScoreNow account has to be maintained monthly to have your report pulled.
Important Note: Be sure to create a password that is less complicated for us to also have. We will need to log-in during your consultation.
Step 3: The Free Credit Analysis
After completing your application, you will receive an email to schedule your FREE comprehensive three-bureau credit analysis. If credit repair services are not needed, your account will be canceled and you will not be charged. If accepted into the program and you choose to enroll, we will guide you through the client portal setup process. You will learn how to upload correspondence letters from credit bureaus, creditors, and furnishers, check messages, and access important account information. No payments are drafted until work has officially been initiated.
Step 4: Relax "A Little"
Now you can relax just a little bit but not too much. Even though we do 80% of the work, you still have to maintain the other 20%. You are required to maintain uploading your corresponding letters into your client portal to keep the flow of your disputes continuous. It is imperative that you keep us informed about the credit bureau correspondences so we know how to create the next letter. Maintaining your payments on your lines of credit is also a major factor in increasing and maintaining a great score.
Step 5: Become An Official Graduate
Yay! Congratulations! You have graduated from the Vigor Financial Credit Academy program! You will now be enrolled into the online course for a SMALL SUBSCRIPTION FEE of less than $5 a month. The self-paced DIY Credit & Financial Literacy online course will teach you how to build your credit correctly, show you what credit cards to get and not to get, how to budget and build wealth using your good credit and learn the do's and don'ts of financial literacy.