WHAT'S HOLDING YOUR CREDIT BACK?
Your credit history tells a story but mistakes shouldn't define your financial future.
Collections
Repossessions
Charge-offs
Bankruptcies
Foreclosures
Late payments
Medical Bills
Public records
Judgements
Child support
Hard inquiries
Student loans
Collections
Medical Bills
Repossessions
Public records
Charge-offs
Judgements
Bankruptcies
Child support
Foreclosures
Hard inquiries
Late payments
Student loans
We've Built Trust Through Credit Success
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Average Score Increase
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Industry Experience
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Credit Reports Reviewed
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Credit Challenges
How to Get Started
Follow these steps to complete your enrollment.
Step 1
Create Your Credit Monitoring Account
Create your Smart Credit account HERE.
Your Credit Monitoring must remain active while you are enrolled in the program.
Step 2
Complete The Enrollment Form
Complete the enrollment form and add your billing details HERE.
Once completed, you'll be directed to the Client Access portal to begin onboarding.
Step 3
Connect Your Smart Credit Account
Select Smart Credit as your credit monitoring provider and enter the login information for the account you created in Step 1.
You'll be asked to provide:
● The Email Address associated with your Smart Credit account.
● The Password associated with your Smart Credit account.
Make sure your information is accurate so our team can access your credit reports and begin reviewing your file.
Step 4
Submit Documents
To complete your onboarding, you must upload all required documents through your Secure Client Access portal.
Required Documents:
● A valid government-issued photo ID
● A document to verify your Social Security number
● Proof of your current address dated within the last 30 days
Acceptable Forms of Proof of Address:
● A recent utility bill showing your current address
● A recent bank statement showing your current address
● A recent paystub showing your current address
Acceptable Forms of SSN Verification:
● A copy of your Social Security card
● A copy of your W-2 tax form
SSN verification documents must display your FULL NAME and FULL SSN.
All documents must be clear and legible.
IMPORTANT
We cannot begin working on your file until all required enrollment steps are completed and your enrollment fee is paid. Make sure your:
● Smart Credit account is active
● Documents are submitted
● Enrollment fee is paid
Meet Founder
DEJA
A Little About Me
My journey started with my own credit. After finding inaccurate information on my credit reports and struggling to find someone who could truly help, I decided to learn everything I could myself. I invested in the right education, worked with experienced mentors, and earned certifications so I could confidently help others navigate the credit improvement process. Today, my goal is simple:
- Help people understand how credit really works
- Challenge inaccurate credit reporting when appropriate
- Create personalized plans instead of one size fits all solutions
- Support every client with honesty, education, and clear communication
Got Questions?
We've Got Answers!
No, a credit analysis is optional. It's designed for individuals who want a better understanding of their credit profile, have questions about our services, or would like a personalized overview to determine if our program is the right fit before enrolling.
During your analysis, we’ll go over the items affecting your credit, answer your questions, and explain the next steps if we’re a good fit to work together.
Please come prepared with access to your credit monitoring so we can review your report together.
You can book your analysis using the link provided below.
https://buildwithdej.com/pages/book-your-credit-analysis
Every credit profile is different. Many clients may begin seeing changes within the first 30 to 45 days, but certain accounts can take longer and multiple dispute rounds may be needed.
It is important to have realistic expectations throughout the process. Credit does not become damaged overnight, and rebuilding or correcting your credit takes time as well.
We do not promise overnight results, instant deletions, or that your entire credit file will be “wiped” or “swept” within a certain timeframe. We operate within legal guidelines and use your rights under the Fair Credit Reporting Act (FCRA) to challenge inaccurate, incomplete, or unverifiable information.
Results and timelines depend on your individual credit profile, the accounts being challenged, and how the credit bureaus and furnishers respond.
To avoid slowing down your progress, it’s important to make smart credit decisions while we’re working together. Try to Keep your credit card utilization at 30% or lower, with 10% or lower being even better, and continue making all of your payments on time.
Please do not apply for any new lines of credit, loans, credit cards, or financing without discussing it with us first. Applying for new credit can add inquiries and new accounts to your report, which may affect your progress.
If you continue applying for loans or financing during the credit repair process, you may make the process longer for yourself. Our goal is to improve your current credit profile, not have new activity added while we’re working on it.
The decisions you make during the process matter just as much as the work we’re doing on your credit.
We use Smart Credit because it gives you access to all three credit reports - Experian, Equifax, and TransUnion - in one convenient place. Smart Credit does have a small monthly $24.95 subscription to keep your reports updated every 30 days.
👉 Please note: we cannot begin or continue disputes without active monitoring. Active credit monitoring is required for the entire time you are working with us. If your Smart Credit account becomes inactive, expires, or cannot be accessed, all work on your file will pause and no additional disputes will be completed until your monitoring is active again.
Once you complete your purchase, be sure to check your email for your onboarding details and login information 💕
After you set up your client access account, you’ll be asked to upload a few documents:
• Valid photo ID 🪪
• SSN Verification: Can be a Social Security card, W-2, Pay stub, 1099 or Tax return (Must show FULL NAME and FULL SSN)
• Utility bill, Bank Statement or Paystub (for proof of address)
Once that’s done, we can officially get started on your file.
Yes. Under federal law, you have the right to cancel your credit repair contract without penalty or obligation within 3 business days of signing.
Let's Connect
Have questions? Complete the form below and a member of our team will text you shortly.
Looking for a Vehicle?
Looking for a new or used vehicle? Complete our Vehicle Approval Request Form, and one of our trusted dealership partners will review your information and contact you with your available options.
Start Vehicle Approval Request Form
Current Clients
Already enrolled with Solutions By Dej?
Access your Secure Client Access account to view updates, upload documents, complete assigned tasks, and track your progress throughout the credit restoration process.
You can access your portal anytime using the button below. For convenient access on the go, the Secure Client Access mobile app is also available for both iPhone and Android devices.
If you're having trouble logging in, please check your welcome email for your login information or contact support for assistance.
