A Faster Path to
Better Credit
Without doing anything else, your credit score will improve—perhaps as much as 140 points—simply by joining the Credit Rebuilder Program.
Credit Rebuilder Program
Here’s a secret to rebuilding your credit score: You need to build good credit around your bad credit. To do this, you’ll need to open an installment line of credit.
But how can you get an installment line on your credit report if your credit score is bad? It’s a catch-22…
Evergreen’s Credit Rebuilder Program solves that problem.
When you enroll in this program, you will receive a host of member benefits. And the best news?
Your monthly payment will be reported to the credit bureaus as an installment line of credit.
$39.00/month + $99 set up fee
Cancel anytime.
Backed by our guarantee:
Follow the plan, and you’ll reach a 720 credit score in two years — or your money back.
Credit Reporting to the Three Major Credit Bureaus
Your on-time payments will be reported to Experian, TransUnion, and Equifax, so your credit score will naturally keep improving the longer you stay in the program.
A Platinum Review of Your Credit Report
If you have been through a bankruptcy, or if you have an error on your credit report that you have disputed without success, a law firm will review your credit report. If the firm finds any errors, they will send certified dispute letters on your behalf and follow up in 45 days to make sure the errors have been removed.
Free Legal Support & Consumer Protection
If lenders or credit bureaus have broken laws in collecting or reporting your debt, you will receive free legal advice and consumer protection counsel (when qualified). In fact, if any laws have been broken, the law firm may help you receive financial compensation (at no extra charge).
Lifetime Access to 7 Steps to a 720 Credit Score
The 7 Steps to a 720 Credit Score education course breaks down the exact rules for building a high credit score in just 12 to 24 months.
Priority Q&A Support
You will receive top-tier support and priority access to credit experts during monthly Q&A sessions.
Free Debt Analysis
Haven’t filed for bankruptcy? You may still qualify for relief. As part of the Credit Rebuilder Program, a debt professional will review your debt and help you develop a personalized strategy for lasting financial freedom.
Involuntary Unemployment Benefit
Continue your membership without disruption, even during periods of unexpected unemployment
A Free Student Loan Evaluation
New laws allow student loans to be discharged through bankruptcy. Our licensed professionals will check to determine whether your loans are eligible for discharge.
Identity Theft Cleanup
If you've been a victim of identity theft, the Credit Rebuilder Program includes support to help clean up your credit report and remove fraudulent accounts—so you can rebuild with a clean slate.
Bonus Perks for Participants
Refer a friend and you’ll receive a bonus month in the Credit Rebuilder Program for free—25 months of credit reporting instead of 24. Submit a testimonial, and you’ll receive another bonus month to help boost your score even further.
3 Things You Can Do TODAY to Start Rebuilding Your Credit
You don’t need credit hacks or shady credit repair companies to rebuild your score. These 3 proven steps can put you on track for a 720 fast.
Get the Three-Day Strategy: A Quickstart Guide for Improving Your Credit Score FAST, and see how thousands are rebuilding their credit score in as little as 12 to 24 months.
This is Heather
Heather enrolled in 720 Credit Score in 2017 so that she could raise her credit score and buy a home. In May of 2020, she became a homeowner!
See more peoplejust like you
FAQs
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When will I receive my loan?
This is not a loan. You will not receive any money by joining this program. By enrolling in the Credit Rebuilding Program, you will pay a monthly fee in exchange for: 1) Credit reporting to the three major bureaus; 2) a free review of your credit report (if you have been through bankruptcy); 3) Lifetime access to 7 Steps to a 720 Credit Score; 4) Priority access to our monthly Q&A calls; 5) Qualified legal support and counseling; 6) Unemployment benefits (if qualified); 7) Debt analysis (if you have not been through a bankruptcy); 8) A free student loan evaluation; and 9) Identity theft cleanup.
Your monthly payment will be reported to the credit bureaus as an installment account.
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Will the payments be automatically deducted from my account?
Yes. When you complete the agreement, you will enter your payment information.
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What if I miss a payment?
Payments are due by the end of the month and you are given one 28-day grace period. If your payment does not go through by the end of the month, you will receive an email at the beginning of the following month. We will cancel your membership at the end of the 28-day grace period so that the late payments do not hurt your credit score.
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Will my credit be pulled for this program?
No, 100% of applicants will be approved, regardless of their credit score or income.
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When will my payment be reported to the credit bureaus?
Your first $39 payment will be reported to the credit bureau the month after it is made. For example:
• If your first $39 monthly payment is made in February, it will be reported in March.
• If you pay the setup fee in February and your first $39 monthly payment in March, it will be reported in April.
Please note that credit reporting does not happen immediately and typically takes 30-60 days from your initial enrollment date. If you have questions about your payment schedule, feel free to reach out for clarification.Payments will be reported to your credit report by Consolidation Capital.
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When will my credit score start to increase?
Credit scores typically begin to improve after 4-6 months of consistent payments. However, results vary based on your individual credit history.
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I’m confused: The program says it’s month-to-month, but it also says that it is 24 months. Which one is it?
The program is month-to-month, allowing you to cancel at any time. However, full participation for 24 months is the default and is recommended to fully benefit from the program and achieve significant credit improvement.
If your credit score improves sooner, great! Contact us, and we will cancel your Credit Rebuilder Program at any time, without penalty.
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Where can I pull my credit report?
As part of your membership, you will receive a free review of your credit report. Our representatives will guide you through the process and show you exactly how to access your credit report for free.
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When will my enrollment into 7 Steps to a 720 Credit Score begin?
Your membership will begin as soon as your account has been setup, which is generally within 72 hours of enrollment.
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What if I am already enrolled in 7 Steps to a 720 Credit Score?
Great! If you received 7 Steps to a 720 Credit Score through our partnership with Evergreen Financial Counseling, your membership will continue uninterrupted. Plus, you’ll receive all the other benefits of the Credit Rebuilder Program.
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What if there are two people in my family who would like to enroll?
Each person will need to sign up individually.
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What is the interest rate?
The interest rate on this program is 0%.
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What if I already have an installment account in good standing on my credit report?
If you already have an installment account being reported to your credit report, then you may not need this program. To help you decide, consider these questions: Is your existing installment account in good standing? Is your credit score improving as fast as you want it to? Will this payment cause a financial hardship for you? If you answered yes to any of these questions (and particularly the last one) please do not enroll unless you are in need of the other membership benefits!
