Simple Process. Real Results. No Surprises.
We know the unknown is the scariest part. So here is exactly what happens from the moment you contact us to the moment your score reflects who you actually are. No confusion. No fine print. No guessing.
Here Is Exactly What Happens — Step by Step
YOU: Book Your Free Consultation
Day 1 — takes about 15 minutesYou book a free consultation — online or by phone. That is the only thing you have to do to get this started. No paperwork, no credit card, no commitment of any kind. During the call, we pull your credit reports from all three bureaus and walk through every item with you line by line. We tell you exactly what we see, what we believe is removable, and what a realistic timeline looks like for your specific situation. If we can't help you, we tell you that on the call — before you spend a dollar. Honesty is how we've stayed in business for 15 years.
WE: Build Your Custom Strategy and Begin Disputes
Within 24 hours of signupThis is where we take over completely — and where the real work begins. Within 24 hours of your consultation, your dedicated specialist has already begun building your personalized dispute strategy. Here is everything we do so you don't have to:
- Perform a full forensic audit of your Equifax, Experian, and TransUnion reports
- Identify every negative item — collections, late payments, charge-offs, repossessions, foreclosures, bankruptcies, and unauthorized inquiries
- Research the legal basis for disputing each specific item using the FCRA, FDCPA, FACTA, and Metro 2 compliance standards
- Write completely custom dispute letters for every single item — tailored to the item type, the bureau, and the creditor involved
- Submit all disputes directly to the bureaus on your behalf
- Monitor incoming bureau responses in real time
You don't make a single call. You don't write a single letter. You don't sit on hold with Equifax for two hours. We handle every piece of it.
WE: Follow Through Until the Job Is Done
Ongoing through 30–90 daysCredit repair is not a one-and-done submission. Bureaus have 30 to 45 days to respond to each dispute. Some items come off in the first round. Others require a second or third challenge with a different legal angle. We stay on it — every response, every denial, every opportunity to re-dispute — until we have exhausted every legal avenue available to us. Most clients see their first removals within 14 to 30 days. The full process typically runs 30 to 90 days depending on the complexity of the report. We never drop your file. We never go quiet. And we never stop until we have done everything the law allows us to do.
YOU: Watch Your Score Climb and Get Back to Living
30–90 days and beyondThis is the step you have been waiting for. Items start coming off your report. Your score starts moving — often 150 points or more, sometimes as high as 300 points in significant cases. The pre-approval notification arrives. The car dealership says yes. The apartment application goes through. The mortgage closes.
Imagine checking your credit app and seeing a number you haven't seen in years — or maybe ever. Imagine your phone buzzing with a pre-approval for the home you've been putting off. Imagine walking into that dealership knowing the answer is yes before you sit down. That is not a fantasy. That is Tuesday at State 48 Credit.
The Process Is Simple. The Results Are Real. The First Step Is Free.
You have just seen exactly what happens when you work with State 48 Credit — every step, every timeline, every complication we know how to handle. There is nothing hidden. There is nothing complicated. There is only one question left. Are you ready to start?
No commitment. No monthly fees. No pressure. Just a free, honest conversation about what we can do for your specific situation.