Here's Exactly What Happens After You Call CleanSlate
The reason most people have never fixed their credit isn't laziness. It's that the process feels like a black box — you send letters, bureaus respond with "verified," and nothing changes. CleanSlate works differently because Keisha learned this process the hard way and now teaches it to a whole team.
Step 1: Free Credit Analysis (Week 1)
You schedule a free 30-minute call. No credit card, no commitment. Before the call, CleanSlate pulls all three bureau reports — Equifax, Experian, and TransUnion. On the call, Keisha or a senior specialist walks you through what's on there, explains what's legally disputable versus what isn't, and tells you realistically what kind of improvement you can expect and over what timeframe. About 40% of first-time clients find errors they didn't even know existed.
Step 2: Building Your Dispute Plan (Week 1-2)
Not everything gets disputed at once. Keisha prioritizes items by their score impact — collections typically hurt more than single late payments, and newer items often matter more than old ones approaching the 7-year removal window. She also identifies which items need debt validation letters versus bureau disputes versus goodwill letters. The order and timing matters. Fire everything at once and bureaus can dismiss disputes as frivolous. We sequence them strategically.
Step 3: First Round of Disputes Goes Out (Week 2-3)
Darius Thompson, CleanSlate's senior dispute specialist, writes and files the first round. These aren't templates — they're specific to the creditor, the type of account, and what's legally required under the FCRA for that item. Bureaus have 30 days to investigate and respond. Collectors who receive debt validation letters have 30 days to verify or cease collection activities. The clock starts here.
Step 4: Monitoring Responses and Filing Follow-Ups (Month 2+)
Dispute responses come back — some items get removed, some get updated, some come back "verified." The verified ones don't end there. We analyze the response, determine whether proper investigation actually occurred (often it didn't), and file follow-up disputes with additional supporting documentation. We also escalate when needed — sometimes that means a complaint to the CFPB, which tends to get results fast.
Step 5: Monthly Progress Reports
Every month you get a clear report showing what was disputed, what was removed, what changed, and what your current scores are across all three bureaus. No vague "we're working on it" — specific numbers, specific outcomes. Most clients see their first deletions in 30-45 days. Score improvements typically become visible around month 2-3 as multiple items come off and the bureaus recalculate.
Step 6: Score Coaching Alongside the Process
Dispute removal gets items off. But score improvement also requires positive account activity — managing utilization, keeping old accounts open, adding positive tradelines if appropriate. Keisha works with clients on the positive side of the equation while disputes are pending. The fastest results come from both working simultaneously.
Ready to See Your Reports?
The free analysis is where it all starts. No credit card, no commitment — just Keisha looking at your reports and telling you what she sees.
Schedule Your Free Analysis