The process
What working with ScoreNova actually looks like.
Credit restoration is a review and documentation process, not a shortcut. Here is exactly how we work, step by step.
- 01
Consultation
A specialist reviews your goals and current situation with you, whether you're preparing for a mortgage, an auto loan, business financing, or simply want a healthier credit profile. You'll leave the call knowing what ScoreNova can and cannot do.
- Goal setting
- Timeline expectations
- Program fit
- Your questions answered
- 02
Credit Analysis
We review your reports from all three nationwide credit reporting agencies and document items that appear inaccurate, incomplete, inconsistent or unverifiable, plus items that simply need monitoring.
- Three-bureau comparison
- Account-level review
- Reporting inconsistencies
- Documentation needs
- 03
Personalized Strategy
Your strategy is written for your profile: which items warrant a dispute, what documentation supports it, what sequencing makes sense and which habits will matter most over the next twelve months.
- Dispute priorities
- Supporting documents
- Utilization plan
- Timeline
- 04
Restoration & Education
Appropriate disputes are prepared and tracked, responses are analyzed, and follow up actions are taken where warranted. Throughout, you receive plain language guidance on building stronger credit habits.
- Dispute tracking
- Response analysis
- Follow up actions
- Credit education
Have questions before you commit?
Consultations are confidential, and there is no obligation to enroll.