Our Program Process
Step 1: Enrolling as a Client
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. Your subscription with us does not begin until you have completed your telephonic consultation.
Step 2: Order Your Full Credit Report
You will order your credit report through the application with our credit monitoring partner (Smart Credit). 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 $24.99 monthly. Your Smart Credit 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 have. We will need it to log-in during your consultation.
Step 3: Your Free Consultation
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 for anything. 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 for you has officially been initiated. DO NOT SCHEDULE CONSULTATION UNTIL AFTER YOU HAVE ORDERED YOUR SMART CREDIT REPORT.
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 are aware if there are any interruptions in your process. 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.