Credit Rebuilder Program

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 + set up fee

Cancel anytime.

Plus, as a member of the Credit Rebuilder Program, you will receive:

  • Credit Reporting to the Three Major Credit Bureaus: We will report your on-time payments to Experian, TransUnion, and Equifax, so your credit score will naturally keep improving the longer you stay in the program.
  • 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.
  • A Platinum Review of Your Credit Report:If we find errors, we 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, our attorneys may help you receive financial compensation.
  • Priority Q&A Support: You will receive top-tier support and priority access to credit experts during monthly Q&A sessions.
  • Free Debt Analysis: One of our licensed consumer law attorneys will analyze your debt and help you develop strategies for 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.

This is

This is Sharrnita

Sharrnita was very excited to tell us that since she joined the program, her credit score increased tremendously and quickly.

See more people
just like you


Have questions or need more info? Please read the most frequently asked questions below.
  • When will my enrollment into 7 Steps to a 720 Credit Score begin?

    Your membership will begin as soon as your set-up fee and monthly payment have processed, which is generally within five days of enrollment.

  • 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.

  • What is your cancellation policy?

    You have five days to cancel this program with no penalty from the date you signed the online agreement. If you choose to cancel, no payments will be deducted from your account. This is a monthly agreement, and you can cancel at anytime. Keep in mind, the longer you pay, the faster your credit score will improve.

  • Will my payments report to the credit bureaus?

    Yes, all of your payments will report to TransUnion, Experian and Equifax as an installment line of credit.

  • When will my payments start reporting to the credit bureaus?

    After your third payment is made, your payments will start to be report retroactively. This means your first payment will show up after three payments are made.

    We do this because if you cannot make your first few payments, we cancel your account automatically.

  • What if there are two people in my family who would like to enroll?

    Each person will need to sign up individually.

  • Will the payments be automatically deducted from my account?

    Yes. When you completed the agreement, you will enter your payment information. We set up the automatic payments from our end so you do not have to worry about making your payments on time.

  • When will the payments begin, and what date of the month should I expect to see this charge?

    Your payments will begin 6 to 21 days after you sign the agreement, based on the date of your choosing. They will continue on that date for each month moving forward.

  • What if I have to change my billing date?

    Email Evergreen Financial Counseling at Please note that your billing date must be before the 15th of the month.

  • What if I miss a payment?

    We will alert you as soon as you have missed your first payment. From that date, you will have 30 days to update your billing information. Otherwise, we will cancel your membership immediately.

    We never want that to happen, so if you know that you cannot make a payment on time, please email Evergreen Financial Counseling at

  • What is the interest rate?

    The interest rate on this program is 0%.

  • Will my credit be pulled for this program?

    No, we will not pull your credit. 100% of our clients will be approved, regardless of their credit score or income.

  • What if I already have an installment line of credit being reported to my credit report?

    If you already have an installment line being reported to your credit report, then you may not need this program. To help you decide, consider these questions: Is your existing line of credit 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!

  • 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) Lifetime access to 7 Steps to a 720 Credit Score; 2) Priority access to our monthly Q&A calls; 3) Legal support and counseling (if qualified); 4) Platinum review of your credit report; 5) Unemployment benefits (if qualified); and 6) Debt analysis.

    Your monthly payment will be reported to the credit bureaus as an installment line of credit.