Get Financially ReadyCredit work you can actually watch happen.
Every account, every bureau, every dispute and every response is tracked on your profile. You see where each item stands and what happens next, no mystery, no vague promises.
See every item, every bureau and every response, with your housing goal at the center.
- Three-bureau tracking
- Documented disputes
- DIY option available
Sound familiar?
These are the moments people call us. Here's what changes when you do.
“You pay a credit company and never hear what they actually did.”
→Every dispute, letter and bureau response is logged where you can read it.
“The report is full of things you don't recognise.”
→We go account by account across all three bureaus and explain each one.
“Removing bad items didn't move your score.”
→We pair disputes with new positive history so the score has something to grow on.
“You need to qualify for a home, not just a better number.”
→Your credit plan is written against the apartment or mortgage you're aiming for.
How it works
What's included
- ✓Three-bureau account tracking
- ✓Documented dispute workflow with audit trail
- ✓Secure, searchable document vault
- ✓Bureau response logging
- ✓Progress visible in your client portal
- ✓Coordination with counseling and housing teams
Tools we use with you
Credit work has three parts: see the file, challenge what's wrong, and build new positive history. These are the tools we point clients to for each.
Score Connection
Before we can challenge anything, we need to see what the bureaus see. Score Connection gives you your three-bureau report and monitoring so your specialist is working from real data, not a guess.
- ✓Three-bureau report and score access
- ✓Score tracker and ongoing monitoring
- ✓Alerts when something changes
- ✓Interactive report your specialist can work from
Disclaimer: Score Connection is a third-party company. HomeCertain does not own or operate it, and its subscription is billed separately by that provider.
Credit Builder Card
Removing negative items is only half the work, you also need positive history reporting. The Credit Builder Card is a fast-reporting secured card we recommend to clients who are rebuilding.
- ✓Reports to all three bureaus, up to six times a month
- ✓Secured by your own deposit
- ✓Processing fees waived through the HomeCertain sponsored profile
- ✓Builds the on-time payment history lenders and landlords look for
Disclaimer: Credit Builder Card is a third-party company. HomeCertain may be recognised as a sponsoring partner. Deposit, terms and fees are set by the card issuer.
DIY credit repair
If you would rather run your own disputes, you can. You get the same letter engine our specialists use and you only pay for the letters, no monthly service fee to HomeCertain.
- ✓Generate and send your own dispute letters
- ✓You only pay for the letters you send
- ✓Work at your own pace
- ✓Upgrade to done-for-you at any time
Disclaimer: the DIY portal is provided through a third-party platform. With DIY you are responsible for your own dispute decisions and correspondence.
General disclosure: HomeCertain does not guarantee any specific credit score increase or the removal of any specific item. You have the right to dispute inaccurate information with the credit bureaus yourself at no cost. Results vary by individual situation.
Questions people ask first
Can you guarantee items will be removed?
No, and neither can anyone else. We can guarantee a documented process, honest updates and that you always see where each item stands.
Can I do this myself?
Yes. You have the right to dispute inaccurate information with the bureaus for free, and we also offer a DIY option where you only pay for the letters.
How long does it take?
Bureaus generally have 30 days to respond to a dispute. Most clients work through several rounds over three to six months.
Do I need to buy credit monitoring?
You need current three-bureau reports for us to work from. Score Connection is the third-party monitoring service we use, billed separately by that provider.