How It Works

Your step-by-step guide to credit freedom with MPS DEBT

Your Journey to Better Credit

A proven process that delivers results

1

Free Consultation

Your journey begins with a no-obligation consultation where we listen to your unique situation and financial goals. During this conversation, we'll:

  • Review your current credit situation
  • Discuss your financial goals
  • Explain how we can help
  • Answer all your questions

Timeline: Same day - 30 minutes

2

Comprehensive Credit Analysis

Once you decide to work with us, we conduct a thorough analysis of your credit reports from all three major bureaus:

  • Pull reports from Equifax, Experian, and TransUnion
  • Identify negative items affecting your score
  • Find inaccuracies and errors
  • Create a customized action plan

Timeline: 1-3 business days

3

Dispute & Negotiation Process

This is where the real work begins. Our team of experts takes action on your behalf:

  • Send dispute letters to credit bureaus
  • Negotiate with creditors and collectors
  • Leverage consumer protection laws
  • Work toward debt settlements when applicable

Timeline: 30-90 days per round

4

Track Your Progress

We keep you informed every step of the way with regular updates:

  • Monthly progress reports
  • Real-time notifications of removals
  • Credit score improvements tracking
  • Ongoing support and guidance

Timeline: Ongoing throughout the process

5

Credit Education & Maintenance

We don't just fix your credit - we teach you how to keep it healthy:

  • Credit building strategies
  • Financial literacy resources
  • Tips for maintaining good credit
  • Ongoing support community

Timeline: Lifetime access to resources

Celebrate Your Success!

Achieve your financial goals with improved credit - buy that home, get that car, start that business!

Frequently Asked Questions

How long does the credit repair process take?

Results vary by individual, but most clients see improvements within 30-90 days. Complete credit restoration typically takes 3-6 months, depending on the complexity of your situation.

Is credit repair legal?

Yes! Credit repair is 100% legal and protected under federal law. The Fair Credit Reporting Act gives you the right to dispute any information on your credit report that is inaccurate, outdated, or unverifiable.

Can you guarantee specific results?

While we cannot guarantee specific score increases (no legitimate company can), we guarantee our commitment to working tirelessly on your behalf. Our track record shows consistent positive results for our clients.

Do I need to cancel my credit cards?

No! In fact, keeping old credit cards open (with low or zero balances) can actually help your credit score by maintaining your credit history length and improving your utilization ratio.

What if I have questions during the process?

We're here for you every step of the way! Our support team is available to answer questions, provide updates, and offer guidance throughout your credit repair journey.

Ready to Get Started?

Take the first step toward financial freedom today with a free consultation.