How It Works
The Big Brain Financial Coaching 7-Step Roadmap
The Big Brain Financial Coaching 7-Step Roadmap
Our proven 7-step process combines credit restoration, financial education, and personalized coaching to create lasting transformation.
This is your starting point. You'll meet with a certified Big Brain Financial Coach who will review your personal finances, your current credit profile, and what goals you're trying to achieve (home, car, high-limit cards, business funding, etc.).
We don't do "one-size-fits-all." We build your plan around your end goal.
We pull and break down all 3 bureaus (Experian, Equifax, TransUnion) using our credit monitoring service and map out everything holding your score and approvals back.
This includes:
No guessing. No random disputes. Full legal-based credit audit.
Once you're ready to move forward, you'll activate your membership and gain access to your secure portal for updates, uploads, coaching resources, and status tracking.
This is where you'll upload your ID + proof of address so we can legally verify you and begin consumer law based disputes.
Everything is presented in writing with no hidden fees, no surprise billing.
Your agreement includes:
This is where we officially go to work FOR YOU.
Big Brain creates your dispute letters by leveraging consumer laws (FCRA, FDCPA, FCBA, UCC, etc.) and sends out your first round of disputes.
These are mailed directly to the bureaus, creditors, and third-party debt collectors.
Letters are personalized to your credit profile, not automated templates.
Average bureau response time: 30–45 days.
Once the first round of work has been fully completed and mailed, your first service invoice is generated within seven days after.
During this time:
You don't just wait — you build.
Once responses are received, we:
We don't stop when items are deleted — we stop when YOUR GOALS are achieved.
The first phase works to get your credit report cleaned up and generally takes 6 months. As a result, you get a credit report with only accurate info.
Next is the walk phase where we will add positive tradelines on your credit profile to replace the negative/inaccurate items we got deleted in the crawl phase of the process.
You'll have the knowledge and tools to maintain and continue building your credit independently. This is where financial independence becomes a lifestyle, not just a goal.
Every client's journey is unique, and timing depends on your starting point and goals. We stay with you until you succeed.
A: We don't guarantee results (by law, no credit company can), but we do have a satisfaction-based refund policy. If you ever feel the service isn't being delivered as promised, you can request a review for refund consideration.
A: We don't just send dispute letters and disappear. We teach you HOW credit works, build your financial literacy, and stay with you until your GOALS are met (not just until items are deleted). We focus on building profiles lenders actually approve.
A: That's exactly who we help! Our founder started with a 584 credit score and built it to 832. We understand the journey because we've lived it. No matter where you're starting, we can help you improve.
A: Absolutely! We offer specialized business credit coaching to help you access 5-6 figures in funding using your EIN only, with no personal guarantee required. This protects your personal credit while growing your business.
Book your free Big Brain Discovery Call today and let's map out your personalized roadmap to financial success.
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