Client Responsibilities

---

In order to sign up for the program you must submit:

• Copy of Driver’s License or State ID
• Social Security Card 
• Credit monitoring login (Credit Karma or Experian)
• Current Utility Bill (where letters and responses will be sent)
• Payment of $200 UPFRONT REPAIR FEE (reoccurring $99/monthly)
• Payment of $175.00 if you are being reinstated due to inactivity or failure to follow program guidelines

If indicated, you are responsible for applying for your 3-4 secured card/cards to rebuild your credit within 45 days after signing up for the program.

Secured cards include Synchrony, Capital One, Credit One Bank, First Premier, Discover, Chase and Merrick Bank.

You are responsible for paying down the balances on your positive open revolving trade lines to aid in increasing their credit scores keeping them under 30% credit utilization.

You must sign up with a Credit Monitoring Company to be alerted of any changes to your credit scores and accounts during this process within 45 of signing up for the program. You must receive alerts and score monitoring at minimum of every 30 days. You must pay for Experian credit works premium monthly for $24.99 plus taxes.  This is the only way we can refresh your credit reports monthly on a FICO score grading. 

WE DO NOT ACCEPT CREDIT KARMA.

You must fax/email/mail/drop off any and all letters that are received in the mail from the Credit Bureaus and the Collection Agencies as they are received so that we may process them and respond if necessary.

You must not apply for credit or acquire any OTHER ADDITIONAL INQUIRES DURING THIS PROCESS EXCEPT FOR YOUR SECURED CARD/CARDS.