Silver Package — Scope of Services

Program Overview

The Silver Package is a full-scope credit dispute and profile-building program for clients ready to commit to a structured, multi-round credit repair process. This program addresses all negative credit items and positions clients for future funding opportunities.

What the Silver Package Covers

Dispute Services Include:
• Personal information inaccuracies
• Closed derogatory accounts
• Collections and charge-offs
• Late payment reporting
• Open and closed credit cards
• Open and closed personal loans
• Open and closed auto loans
• Unauthorized or inaccurate credit inquiries

All negative accounts are reviewed and disputed regardless of account type, when applicable.

Dispute Structure

• Includes four (4) locked dispute rounds
• Disputes are processed sequentially based on bureau response timelines
• Paid-in-full structure allows disputes to continue without interruption

Credit Profile Building

In addition to disputes, the Silver Package focuses on strengthening the overall credit profile, which may include:
• Authorized user card placement (when appropriate)
• Rental tradeline reporting
• Credit age and mix optimization

These strategies are designed to support future funding readiness after the dispute phase.

Credit Monitoring Requirement

Active credit monitoring is required throughout the program to track reporting changes and ensure dispute accuracy. Monitoring is billed separately by a third-party provider.

Important Disclosures

• Results are not guaranteed
• Legal representation and litigation filing are not included
• Bankruptcy and child support disputes are excluded

Upgrade Options

Clients may upgrade to advanced programs if additional escalation or extended dispute strategies become appropriate.