Curious about what the credit repair process actually looks like — and how long it takes? You’re in the right place! We’re here to break it all down for you in a simple, easy-to-understand way so you know exactly what to expect on your journey to better credit.
📝 Step 1: Initial Review & Credit Analysis
After our initial contact, we will:
Pull the client’s credit report using SmartCredit
Securely upload the report into our system
Generate a detailed credit analysis
Email the analysis to the client and any agreed-upon parties
📅 Step 2: Consultation Meeting
C&G will schedule a one-hour meeting to review the findings in depth. This meeting can be:
In-person
Over Zoom
By conference call with any approved individuals
During the consultation, we will:
Review the credit report in full
Go through our C&G Credit Analyzer, a customized report showing exactly what steps the client can take to fix each issue
After (or during) the meeting, C&G will update the client’s status in our system to "Client."
This timing depends on the client’s responsiveness and readiness to proceed.
Once their status is updated:
The client will be prompted to sign the official Citrus & Gold service agreement
They’ll receive a payment link via email
The client will need to upload the following documents to our secure system:
Driver's license
Social Security card
Proof of address
The first round of dispute letters will be emailed to the client within 48 hours of steps 1-3 being completed.
The client will be responsible for notarizing and mailing the letters themselves
Citrus & Gold does not mail letters on the client’s behalf
⚠️ Credit Analyzer & Next Steps
The C&G Credit Analyzer provided during the meeting includes a step-by-step breakdown of everything the client needs to do. From this point, the client can:
Move forward with self-directed, DIY credit repair- we do sell a kit HERE
Choose not to proceed with the service
Or return later when ready to continue