Rebuild Your Credit Automatically

Rebuild Your Credit Automatically

Many people who are enrolled in our program find it tough to get an installment loan with a poor credit score.  Unfortunately, this impacts the speed at which your credit score will approve.

We have solved that problem. has partnered with a nationwide financing company that has agreed to approve 100% of our clients (regardless of your current credit score) who apply for financing to join our 720 Credit Rebuilder Program.

Here are the details:

  • When you apply for financing to join our 720 Credit Rebuilding Program, you will be approved automatically. There are no credit checks or pre-qualification.
  • Price: Twelve-monthly payments of $39, for a total of $468. Each payment will be reported every month for 12-months. To sign up for this payment option, click here.
  • If you are interested to learn more about our single pay option of $300, click here and we will be in touch with you.
  • These payments will have a similar impact on your credit score as a monthly car payment. Each payment will be reported to TransUnion and Equifax as an “Installment Line.”
  • Your membership in this program includes:
    • Enrollment into “7 Steps to a 720 Credit Score” for twelve months (instead of the standard six months). Your extended access will begin after your first on-time payment.
    • Priority access to our monthly Question and Answer calls, where you will be invited to ask for personalized guidance for a full year (instead of the standard three months).

720 Error Review Program: In addition to everything mentioned above, you will also have access to a free review of your credit report. if you choose to do this, a 720 representative will contact you and explain the process over the phone. We will review your credit report for errors and send dispute letters via certified mail on your behalf.

If you are interested in enrolling, please click on one of the two links below depending on the payment option you’d like:

Option 1: Total Payment of $468 / Made in payments of $39 per month / Click here to enroll.

Have questions? Please read through our Frequently Asked Questions below.


When will my enrollment into 7 Steps to a 720 Credit Score begin?
You will receive access to our program after your first payment is received.

What if I am already enrolled into 7 Steps to a 720 Credit Score?
We created this program for our clients who cannot get approved for an installment line of credit on their own. We understand that many of you are already enrolled in our program, and if you are one of our students already going through the lessons, you will receive a 1-year extension on your current membership as well as priority access to our monthly Question and Answer calls where you will be invited to ask a question for a full year, versus 6-months.

Will my payments report to the credit bureaus?
Yes, all of your payments will report to TransUnion and Equifax as an installment line of credit. We are currently working on adding Experian to the reporting and we hope to have them reporting in the near future.

When will my payments start reporting to the credit bureaus?
If you sign up for the 12-monthly payments of $39, there is a one-month delay to the credit reporting. We report all payments to the credit bureaus on the 15th of each month for the prior month. For example, if you make a payment on May 1, that payment will be reported on June 15th. Keep in mind that it does take a few days/ weeks for the payments to show up on your credit report after we report them.

What if there are two people in my family who would like to enroll? Will we be making double the payments?
When you fill out our online agreement, you will see a section for “Co-Borrower.” You can have one co-borrower sign up with you on a single application. You will be charged one payment of $39 per month for the two of you, and the payments will report individually to each of your credit reports. If you choose the one-pay option of $300, we will deduct $300 one time for the both of you. Don’t let this confuse you with applying for credit jointly, which we recommend not doing. This is a not joint credit.

How can I make the payments and will they be automatically taken out of my account?
When you fill out our online application, you can choose between three options: 1) credit card, 2) debit card, or 3) bank account (checking or savings). We set up the automatic payments from our end so you do not have to worry about making your payments on time.

If you choose the $300 one-pay option, we will deduct that from a credit/ debit card from you immediately.

When will the payments begin and what date of the month should I expect to see this charge?
For the $39 per month option, the payments will begin 7-14 days after you sign and send back the agreement. They will continue on that date for each month moving forward.

For the $300 one-pay option, the payment will be deducted immediately.

What if I have to change my billing date?
If you prefer that the $39 per month payments come out on a certain day each month, no problem! Just email us at and we will be happy to accommodate that for you.

How will the payments appear on my credit card/ debit card/ bank statement and my credit report?
Your payments will appear on your payment account and credit report as “BK Billing.”

What if I miss a payment? How quickly do you report missed payments and is there a way to make up a payment before getting reported as delinquent?
The answer to this question is simple: Stay in communication with us! We do everything we can to help you make up your payments before we will report you delinquent. We will contact you to let you know that your payment declined, and all we ask is that you be in communication with us. If you get an email from us saying you’re behind, please reply to us immediately. If you know that you cannot make a payment on time on any given month, please email us and let us know so that we can plan accordingly and change your billing date for that month. We want this program to help your credit, not hurt it.

What is the interest rate?
The interest rate on this program is 0%. Your payments of $39 per month will be reported to the bureaus for 12-months, and after 12-months, your balance is $0.

Will my credit be pulled for this program?
No, we will not be running your credit report. 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 a healthy installment line being reported to your credit report then you may not need this program. Two questions you should ask yourself are, 1) Do you want or need your credit score to go up quickly, and 2) Can you afford $39 per month for 12-months? Depending on your answers, you will be able to make the right decision. If this is going to cause a financial hardship for you in any way, please do not enroll.

When will I receive the money to use?
With this Credit Rebuilder Program, there is no exchanging of money. Meaning you will not be receiving these funds to use as you wish. This is a monthly $39 fee that you are committing to (like a cell phone bill) and this monthly fee will be reported to the bureaus as an installment line of credit. We created this program to help our clients get an installment line of credit reported to their credit report that they otherwise cannot get approved for on their own.

How can I sign up?

Total Payment of $468 / Made in payments of $39 per month / Click here to enroll.


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