A Faster Path to
Better Credit
720 Credit Score has partnered with Evergreen Financial Counseling, to offer a fully integrated and expansive way for anyone to rebuild their credit score.
Credit Rebuilder Program
Here’s a secret to rebuilding your credit score: You need to build good credit around your bad credit. This means you’ll need three new credit cards and an installment line of credit.
But how can you get an installment loan 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 their Program, your monthly payment will be reported to the credit bureaus as an installment loan of credit and, as long as you pay on time, your credit score will naturally increase.
Plus, you will receive:
- Full lifetime access to our credit education program, 7 Steps to a 720 Credit Score.
- A free 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.
- Priority invitations to attend our monthly Q&A sessions, where we answer your credit questions first.
- 7 Steps to a 720 Credit Score: Complete access to instructional videos about achieving and maintaining a 720+ credit score and free access to all updates.
- “Platinum Review” of your credit report after your bankruptcy is discharged. This will determine the accuracy of the information on your credit report, and if there are errors, we will help you remove them. Please note that EVERGREEN does not dispute credit items for legitimate errors or provide credit repair services.
- Credit Counseling Course: Free Access to Evergreen Financial Counseling’s “Pre-Bankruptcy” Course. If you decide to file bankruptcy, you will have free access.
- Financial Education Course: Free Access to Evergreen Financial Counseling’s “Post-Bankruptcy” Financial Education Course.
- Free Debt Analysis: Of your financial situation with one of our Licenced Consumer Law Lawyers.
- Free Legal Support: For all credit reporting issues under the Fair Credit Reporting Act.
- Consumer Protection: Advice and counsel in the context of debt collection practices relating to FDCPA/ TCPA/ FCRA consumer protection Defense. This includes all collection efforts made against you for debts that were/will be included in your bankruptcy.
- Involuntary Unemployment Benefit (IUB) – If you become unemployed, by no fault of your own, your membership will continue as long as you are unemployed.
- Credit Reporting to the Three Major Credit Bureaus: Your monthly payments will report to the credit bureaus helping you rebuild your credit score.
This is Marcey
Shortly after filing for Chapter 13 bankruptcy, Marcey’s score climbed from 450 to 687. She purchased a brand new 2020 Mustang for her son with a $1,000 down payment and a 6 percent interest rate. Now, she’s on her way to a 720 credit score!
See more peoplejust like you
Stand-Alone Membership
When you join Evergreen's Credit Rebuilder Program, your monthly payment will automatically be reported to TransUnion, Experian and Equifax, and your credit score will improve with each monthly payment. There are no credit checks or pre-qualifications. Simply enroll now, and watch your credit score improve.
$39.00 + set up fee
Per month, based on a two-year subscription, cancel anytime.If you have more specific questions and would like to talk to a 720 Representative, schedule a 15-minute call here. We can answer any questions you have about raising your credit score fast.
Add-on to the Referral Program
If you were enrolled in our credit education program, 7 Steps to a 720 Credit Score, by an attorney, debt negotiator, or other debt professional, you can enroll in Evergreen's Credit Rebuilder Program for just $39/month for 24 months.
$39.00 + set up fee
Per month, based on a two-year subscription, cancel anytime.If you have more specific questions and would like to talk to a 720 Representative, schedule a 15-minute call here. We can answer any questions you have about raising your credit score fast.
Schedule a Call
If you have more specific questions and would like to talk to a 720 Representative, schedule a 15-minute call here. We can answer any questions you have about raising your credit score fast.
Schedule NowFAQs
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When will my enrollment into 7 Steps to a 720 Credit Score begin?
Evergreen will send us your information after your 5-day cancellation period ends.
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What if I am already enrolled in 7 Steps to a 720 Credit Score?
We partnered with Evergreen Finanical Counseling, so that 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 two-year extension on your current membership.
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What is your cancelation 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 24-month agreement, and you can cancel at anytime. Keep in mind, the longer you pay the faster your credit score will improve.
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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.
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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.
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How can I make the payments and will they be automatically taken out of my account?
When you fill out our online application, you will enter your payment information via the credit/debit account. We set up the automatic payments from our end so you do not have to worry about making your payments on time.
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When will the payments begin, and what date of the month should I expect to see this charge?
Your payments will begin 6 to 30 days after you sign the agreement, based on the date of your choosing. They will continue on that date for each month moving forward.
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What if I have to change my billing date?
Email Evergreen Financial Counseling at Info@EvergreenClass.com.
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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: After 30 days they are reported negative. Please stay in communication with us! If you get an email from Evergreen 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 Evergreen Finanical Counseling at Info@EvergreenClass.com.
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What is the interest rate?
The interest rate on this program is 0%. Your payment will be reported to the bureaus for 24-months, and after 24-months, your balance is $0.
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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.
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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 this payment for twelve 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.
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When will I receive the money to use?
You will not receive money. By enrolling in the Credit Rebuilding Program, you are agreeing to pay a monthly fee in exchange for using our services, as listed above under “What does my membership include?” This monthly fee will be reported to two credit 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.
