In order to make this program work, you'll need monthly reports and scores along with credit monitoring. Free apps like CreditKarma are not good enough if you are truly serious about raising your scores.

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Knowing your scores in realtime, and any negative marks on your credit report are essential to getting the fastest results possible - plus the alerts when your scores go up can become addictive! 

You'll need to be aware of these updates that happen to your reports along the way, so you can act on them right away.