⭐ Elite 800 Credit Restoration

What This Really Means for You

🛡️ 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