Most credit repair companies delete negative items and call it a day. That's not a strategy. That's half a job.
If you delete everything dragging your score down but have nothing pulling it up, you're left with a thin file. And thin files don't qualify for mortgages, business funding, or premium rates.
Having NO credit is often worse than having BAD credit.
That's why we don't just repair. We architect.
The WCS Approach: Dispute, Delete and Build
While we're strategically disputing inaccurate items and forcing the bureaus to follow the law, we're also building new, healthy credit that positions you for approvals.
Here's how:
1. Rent Reporting
Your rent payment is probably your biggest monthly expense. We report it to the credit bureaus so it starts working FOR you instead of disappearing into your landlord's pocket with zero credit benefit.
2. Secured Credit Cards with Guaranteed Approval
We add secured credit card accounts that report to all three bureaus. These aren't payday loan traps. These are strategic positioning tools that build payment history while you're cleaning up the past.
3. Revolving Credit Lines ($3K+)
We add larger personal lines of revolving credit starting at $3,000 that remain on your credit report indefinitely with a $0 balance. This increases your available credit, lowers your utilization ratio, and shows lenders you can handle higher limits responsibly.
Why This Matters
Lenders don't just look at your score. They look at:
- Payment history (35% of your score)
- Credit utilization (30% of your score)
- Length of credit history (15% of your score)
- Credit mix (10% of your score)
- New credit (10% of your score)
If you only delete negative items without building positive ones, you're ignoring 75% of what actually moves your score. We don't ignore anything.
Who This Works For
✓ First-time credit builders who need to establish a strong foundation
✓ People rebuilding after bankruptcy, foreclosure, or financial setbacks
✓ Anyone with a thin credit file who keeps getting denied because they "don't have enough credit history"
✓ Homebuyers who need to qualify for a mortgage within 120 days
✓ Business owners who need personal credit strong enough to unlock business funding
Who This Doesn't Work For
✗ People looking for a magic button that fixes everything overnight
✗ Anyone who wants to dispute items themselves but expects professional results
✗ Bargain hunters who think $49/month credit repair apps are going to get them approved for a mortgage
The Investment
Credit Monitoring: $27.95/month via SmartCredit.com/WinningCredit
Credit Optimization Services: $1,196 over 4 months
Total Program Investment: $1,335.75
Timeline: Score maximization within 120 days.
This is what it costs to stop paying 8%+ interest rates because your credit is holding you hostage. This is what it costs to finally qualify for that mortgage. This is what it costs to stop getting denied for business funding you actually deserve.
Ready to Build Credit That Opens Doors Instead of Slamming Them?
