How It Works
A Simple, Structured Process to Improve Your Credit
Step 01
Choose Your Plan & Get Started
Begin by selecting the credit repair package that fits your needs. Once you’re signed up, we’ll guide you through a quick onboarding process and help you securely provide access to your credit reports from all three major bureaus.
This gives us a complete and accurate view of your current credit profile.
Step 02
Credit Review & Strategy Development
Our team performs a detailed analysis of your credit reports to identify:
- Inaccurate, outdated, or questionable items
- Key factors impacting your credit score
- Opportunities to strengthen your overall profile
Based on this, we create a personalized strategy tailored to your situation, along with clear guidance on the next steps.
Step 03
Dispute & Resolution Process
Once your plan is in place, we begin the structured dispute process.
We challenge eligible items by working with:
- Credit bureaus
- Creditors
- Collection accounts
Our team handles the preparation and submission of disputes on your behalf, ensuring everything is done accurately and in compliance. You can monitor your progress anytime through your secure client portal.
Step 04
Track Progress & Continue Improving
As responses are received (typically within 35–45 days), we:
- Review updates and results carefully
- Adjust the strategy if needed
- Continue working through remaining eligible items
This step-by-step process continues based on your selected package, helping you achieve steady and meaningful credit improvement.
What’s Included in Our Service
Our credit review process may address a wide range of items, including:
- Late payments
- Tax liens
- Credit inquiries
- Short sales
- Collection accounts
- Identity theft
- Charge-offs
- Account sold
- Authorized user accounts
- Bankruptcies
- Outdated information
- Foreclosures
- Duplicate accounts
- Child support reporting issues
- Medical collections
- Repossessions
Ready to Take Control of Your Credit?
At ATA Consulting, LLC, we provide the structure, support, and guidance you need to move forward with confidence.