How AltoCredit Works
A structured, step-by-step system — not a one-time blast of letters.
Free Credit Review
We start with a no-cost review of your credit situation. No commitment required. This helps us understand exactly what's on your report and what needs to happen first.
Document Collection
You'll submit a few documents securely through our client portal — ID, proof of address, and credit monitoring access. This takes about 10 minutes.
Your File Opens and Work Begins
We create your file, complete your credit analysis, and begin your first active work cycle. This is where the real work starts.
Initial Service Fee: $234
Once work has begun on your file, your one-time initial service fee is processed. You are only charged after we have started working — never before.
You are never charged until work begins
Your Monthly Program Begins
We work in structured 45-day cycles aligned with how the credit bureaus update, reviewing and adjusting your strategy every cycle. 30 days after your first cycle, your ongoing monthly program begins.
How long will this take?
Because every credit profile is different, we can't give an exact timeline — and any company that does is not being honest with you.
What we can promise is a structured process, active work every cycle, and complete transparency at every step. Most clients see meaningful progress within their first few cycles.
Ready to get started? Your first step is free.
Book Your Free Credit Review