941 Lehman Ave Ste 102 Bowling Green, KY 42101

How It Works

Here's how it all works, step by step.

Step 1

Free Consultation & Enrollment

After completing your consultation (Consultation not required) along with submitting payment credentials you will be given instructions via your welcome email and welcome text message on the necessary onboarding steps needed to move along with the process.

Step 2

Sign Your Agreement

Contracts! Every company has them! All parties involved need them. But don’t worry! Journey To Credit Acceptance does not commit clients to a long-term agreement. Clients are enrolled on a month-to-month basis and reserve the right to cancel their membership at any time! Nevertheless, clients must sign with their digital signature in order to move forward to Step 3.

Step 3

Set Up Your Credit Monitoring

In order to provide credit repair, we must first be able to TRACK & MONITOR the challenges on a regular basis. This is why we’ve partnered with SmartCredit to provide you with high-quality consumer data reports. Not only do we “Track” “Build” & “Master” your credit. You get money, credit, and identify fraud monitoring all in ONE place!

Step 4

Proof Of Identity

Upload photocopies of your proof of identification (one-by-one) in your secured client portal. These documents may include but are not limited to. (i.e. Driver’s License, Passport, SSC, Tax Return, W2 and proof of address) CONGRATULATIONS… YOUR JOB IS DONE!

Step 5

Time To Start Disputing!

Nothing makes us happier than to get our clients to this point! This is where magic can finally begin! By this time, we have completed your “Credit Audit/Analysis” and we are now preparing your file to begin the disputing process and mailing out your letters. Keep in mind, EVERY SINGLE NEGATIVE ACCOUNT that we determine can be corrected is written individually to your specific profile. THERE ARE NO “COOKIE CUTTER” LETTERS HERE! Every client is different so we know that every letter must be different so that we can ensure we’re making the most out of every attempt in getting the greatest results.

Step 6

The Infamous “Waiting Game”

Believe us when we tell you that we understand! Remember, PATIENCE & PERSISTENCE are our two most powerful tools we have in order to maximize your success and during this process, you will have to learn to be as patient as you can be. The reason why the creditors are allowed 30 days to provide a written response is: · The credit bureaus are working with both your creditors and collectors to investigate the accuracy of each account in dispute. · In the early stages of the dispute process, there is nothing we can legally do to speed this process up. Don’t be discouraged, there is still plenty of work to be done at Journey To Credit Acceptance! This is why we will be emailing, texting, and communicating with you on a weekly, and in certain cases on a daily basis! Should you have any questions or concerns, definitely feel free to ask one of our team members for support by email or by sending us a message in your secured client portal.

Step 7

New Reports & Scores

This is the time for us to re-evaluate and strategize! At the 30 day mark from the day we sent your first disputes, we will refresh your report and look for any changes/deletions! At this point in the journey you should be receiving correspondence in the mail from the credit bureaus regarding your first round of investigations. *Please note, it is imperative that we disclose that while Journey To Credit Acceptance is extremely proficient in Credit Enhancement and Restoration, there is no guarantee that everything will be removed with every dispute submitted. Please know that our goal is to get your credit reports cleared up with all 3 Major Credit bureaus in the shortest period of time.*

Step 8


After we have reviewed your file as a whole, we will then follow up with all necessary credit reporting agencies, original creditors, and send debt validation letters to any remaining debt collectors. · We repeat this process, month after month until we get the desired results from the parties involved. The goal is to never take “no” for an answer and fight until you have one. · Last month, we gave them reason “A” as to why we believe they should remove the item; it didn’t work, so now we will give them reason “B”.

Step 9

Start Adding New Credit

Now is an excellent time to start rebuilding and re-establishing your credit history with the credit bureaus. Luckily for you, Journey To Credit Acceptance has its’ very own CREDIT BUILDER CREDIT CARD. If you need advice as to which starter credit cards you should start applying for, simply contact us.

Last & Final Step!

Ongoing Battle Until YOU WIN!

Fighting is in our roots! Although you may notice the results slowing down here, that does not mean that is it and you must wave the white flag. Absolutely not! Each month, with each round, we get more and more aggressive until we are victorious. If you have questions about the process or what’s in store you can speak to your Solutions Manager for more details. Always Remember… Trust the process! Continue to Education yourself! Stay flexible and be willing to take suggestions! And YOU WILL TRIUMPH AND BE SUCCESSFUL. Thank you for letting us be of service!

Ready to take the first step towards better credit?