Start with clarity. End with confident decisions.
Elite 800 Credit Restoration Program
Here’s what happens:
You submit your information
We review your credit profile
You receive a clear plan forward
Credit issues aren’t random.
Most problems come from specific items, reporting errors, or outdated information, not personal failure.
This starts with identifying what’s actually holding your credit back before anything is disputed.
No disputes are sent without your review and approval. Our Credit Builder IQ partner makes this simple.
🛡️ Trust & Safety
Your Information Is Safe With Us
Frequently asked questions
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 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
✔ New letters anytime your file updates
✔ No monthly fees
✔ Real education + real strategy
✔ Real score-building plan
✔ Tools to KEEP your results
It’s a 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.
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