A structured process, not a promise to delete everything
Creditxora follows the same four steps for every client. You see the reasoning at each stage, and you approve the plan before anything is submitted.
A clear, four-step process
No vague promises about deleting everything. A structured review, a plan you approve, and visible progress at every stage.
- 01
Get Started
Complete your initial assessment.
A short, structured questionnaire tells us what you're dealing with, what you're working toward, and where your credit profile stands today. It takes about three minutes.
- 02
Credit Profile Review
Your information and available credit reports are reviewed.
A specialist reads your Experian, Equifax and TransUnion reports side by side, looking for entries that appear inaccurate, incomplete, outdated or unverifiable.
- 03
Personalized Action Plan
Potential issues and appropriate next steps are identified.
You receive a plain-language summary of what was found and a prioritised plan. Nothing is submitted until you understand it and agree to it.
- 04
Monitor & Improve
Track progress and receive credit-building guidance.
Your portal shows every item in progress and every response received, while your specialist works with you on the habits that shape your profile long term.
What we need from you
The process moves at the speed of the documentation. Four things are asked of you, and your portal tracks each one.
Complete the assessment
Five short steps covering your details, what you're dealing with, your goal and where your credit stands today.
Upload your reports
Your portal accepts Experian, Equifax and TransUnion reports plus supporting documents — all encrypted at rest.
Approve the plan
Nothing is submitted to a bureau until you've read the written summary and agreed to the approach.
Track every response
Each item shows its stage and the bureau's response as it arrives, so you always know where things stand.
A realistic view of how long this takes
Credit bureaus generally have 30 days to investigate a dispute, and 45 in certain circumstances. Anyone promising results in a week is not describing the actual process.
- Days 1–2Assessment reviewed and a specialist assigned to your file.
- Days 3–10Reports read side by side; potential inaccuracies documented.
- Days 10–14Written summary and prioritised action plan shared with you.
- Days 14+Approved items raised with bureaus and furnishers.
- 30–45 daysStatutory investigation window; responses logged as they arrive.
- OngoingFollow-up on responses and credit-building guidance alongside.
Ready to see what's actually on your reports?
Complete the assessment and a Creditxora specialist will review your request and contact you regarding the next appropriate steps.
No obligation. Your information is kept confidential and is never sold.