⭐ Elite 800 Credit Counseling – What This Really Means for You

Personalized Credit Guidance

No more guessing, Googling, or trying to figure out what’s hurting your score.

We review your full 3-bureau credit report and break everything down in plain English so you understand exactly where you stand and what steps will move your score forward fastest.

• You get support, clarity, and a real plan — not confusion.

• Custom Dispute Letters

Every letter is written specifically for YOU, based on the exact inaccuracies, violations, and reporting errors in your file.

• We don’t use templates.

• We don’t reuse letters.

• We don’t mass-print the same disputes like other companies.

• Your letters are crafted by hand, tailored to your goals, and ready for you to print, stamp, and mail — which the credit bureaus respond to far better.

• Fast-Track Credit-Building Plan

Fixing your credit is only half the story — the REAL jump comes from building the right accounts the right way.

We create a customized strategy that shows you:

• What to open

• What to avoid

• How to use your credit

• Which approvals are likely

• How to increase your score safely and quickly

It’s the roadmap to the credit profile you’ve been trying to achieve for years.

No Unreliable Software, Generic Templates, or False Promises

We don’t trap you in monthly fees or rely on glitchy software.

• We don’t send the same letter for every client.

• We don’t promise 800 overnight.

• We don’t hide behind “the system.”

  Instead, we focus on what actually works:

• ✔ Education

• ✔ Strategy

• ✔ Custom letters

• ✔ Smart credit-building

• ✔ And empowering YOU to take control of your credit — permanently.

🚀 Get Started in 3 Simple Steps

You’re 3 steps away from your custom credit plan, personalized dispute letters, and Fast Lane score-building strategy.

Upload • Approve • Done

If you don’t already have a recent 3-bureau report, use this link:

• 👉 Get Your Credit Report

• (AnnualCreditReport.com, SmartCredit, or myFICO are all accepted.)

• You don’t have to connect anything — just download your report as a PDF.

Grab Your Credit Report

Approve & Within 24–48 hours, you’ll receive:

Once uploaded, we will:

• Scan all 3 bureaus

• Identify errors, violations, and opportunities

• Build your personalized dispute letters

• Prepare your credit-building strategy

• Map out your score goals

✔ A custom credit analysis
✔ Dispute letters drafted JUST for you
✔ A step-by-step mailing guide
✔ Your Fast Lane Score Building Plan

• Then you simply:
  🖨 Print the letters
  ✉️ Grab an envelope
  🪪 Add a stamp

• (or choose our paid Hands-Free Mailing Service and we’ll mail everything for you.)

That’s it.

• No appointments.

• No monthly fees.

• No portals.

• No generic templates.

• Just real credit help that actually works.

✔ Full Credit Audit

We review all three credit bureaus and identify what’s helping, hurting, or holding you back in plain, human language.

✔ Customized, Personalized Dispute Letters

NO templates.
NO recycled nonsense.
Each letter is written specifically for your file — and YOU mail them yourself, keeping everything compliant and in your control.

✔ Fast Lane Credit-Building Applications

Gain instant points with:

• High-approval starter accounts

• Secured cards

• Credit-builder loans

• Authorized user strategies

• Vendor accounts

• “Express Lane” approvals designed to move your score quickly and safely

✔ Elite 800 Online Credit Building Course

You receive access to step-by-step training:

• How credit actually works

• How to build a strong profile

• How to manage utilization

• How to clean up your report legally

• How to position yourself for funding

✔ Monthly Coaching Check-ins

We review your progress, adjust your strategy, and keep you accountable.

✔ Funding-Ready Roadmap

Want a home, car, or business credit line?
We map out EXACTLY what score, profile, and timeline you need to achieve it..

🛡️ Trust & Safety

Your Information Is Safe With Us

To create your customized dispute letters and score-building plan, we only need one thing from you:

📌 A recent copy of your 3-bureau credit report

(From AnnualCreditReport.com, SmartCredit, myFICO, or any provider you prefer.)

Frequently asked questions

Why don’t YOU mail my letters for me? Why do I have to mail them?

Because credit bureaus take consumer-mailed letters more seriously.

When you mail the letters yourself:

• They count as a direct consumer dispute

• They avoid the “3rd-party dispute” loophole

• Bureaus respond faster and more consistently

• Your results last longer

• Your disputes follow the FCRA exactly as intended

Credit bureaus are far more receptive to mail that comes from the consumer versus a company.

This is why your results will be BETTER and more compliant than traditional credit repair.

Do you use templates like other credit repair companies?

Absolutely not.

• Other companies mass-print the exact same dispute letter for every client — sometimes hundreds of people get the same letter every day.

• Bureaus ignore them.

• They don’t work.

• They trigger automated denials.

• And long term, they can make your credit profile look suspicious.

At PCT:

✔ Every letter is custom-written for YOU

✔ Based on YOUR report

✔ Based on YOUR errors, violations, & inconsistencies

✔ Based on YOUR goals

✔ And tailored to the EXACT bureau reporting the information

No templates.

No shortcuts.

No “copy/paste” nonsense.

Can you mail my letters for me if I don’t want to?

Yes — we offer a full mailing service powered by LetterStream.

You simply approve the letters — we print, stuff, stamp, and mail them for you.

💌 Mailing Service Fee:

$9.95 per letter
(or $24.95 for a 3-letter bundle)

This covers:
✔ Printing
✔ Postage
✔ Envelope
✔ Tracking (optional)
✔ Mailing from LetterStream’s facility

Perfect for clients who want a totally hands-off mailing experience.

Can I upload a new document at any time to get updated letters?

Yes — that’s the beauty of this program.

Anytime you receive:

• A new response from a bureau

• A new collection letter

• A closed account update

• A denial letter

• A new report

• A score update

• An investigation result

You can upload it, and we prepare a new set of personalized letters for you.

This means your plan stays:

✔ Current
✔ Accurate
✔ Strategic
✔ Evolving with your situation

How can I contact you?

You can reach us by [phone number/email address/contact form link]. We are always happy to answer your questions.

Do you review all three credit bureaus?

Yes — Experian, Equifax, and TransUnion.
We map out EXACTLY what each bureau shows and how to address it.

Why is this model better than traditional credit repair?

Traditional credit repair companies:

❌ Use the same template letters for every client

❌ Trigger automated bureau denials

❌ Don’t actually teach you anything

❌ Keep you on monthly payments

❌ Don’t give you control over your own profile

❌ Overcharge for low results

OUR Credit Counseling model:

✔ Custom letters drafted individually

✔ YOU mail the letters = stronger compliance

✔ New letters anytime your file updates

✔ No monthly fees

✔ Real education + real strategy

✔ Real score-building plan

✔ Tools to KEEP your results

✔ No software fees = bigger value

It’s credit transformation, not just credit repair.

How fast will I see results?

Most clients see movement within 45–120 days, depending on consistency and what’s reporting.

Is this legal?

Yes — 100% compliant.
Since YOU mail the letters, disputes are considered direct-to-consumer and follow FCRA guidelines perfectly.

Can you help me build credit too?

Yes — the program includes a Fast Lane Credit Building Strategy, including:

• Starter accounts

• High-approval cards

• Rapid approval vendors

• Authorized user strategy

• Utilization optimization

• Payment behavior strategy