Step 1 of 6
Create your account
Your name, email and mobile number, and a password. Then tap the link we email you to confirm it is really you.
Get started
Online enrollment opens soon. Here is what it will look like.
Choose the plan you want and join the list. We will email you the moment enrollment opens, and a call gets you started today. Sign up itself takes about fifteen minutes.
Choose your plan.
One price you can see, no setup fee. Pick the one you want and we will email you the moment online enrollment opens. Nothing is charged today.
Have these within reach.
This is what sign up will ask for when enrollment opens. Nothing here is needed to join the list today.
About 15 minutes
Photo ID
A driver license, state ID or passport.
Proof of your Social Security number
Your Social Security card, a W-2 or an SSA-1099.
Proof of address
A bill or statement dated in the last 60 days, showing where you live now.
Credit monitoring
Your IdentityIQ login. No account yet? Start their $1 trial during sign up. Open the IdentityIQ trial (opens in a new tab)
A debit or credit card
For the plan you chose. Nothing is charged until online enrollment opens and you have read and signed the agreements.
Six steps. The portal shows where you are.
This is the journey waiting for you when enrollment opens. Every screen says what it needs and what comes next, and you can always go back to see your progress.
Step 2 of 6
Your details
Your mailing address and date of birth, so every letter goes out in your name exactly the way the bureaus have it.
Step 3 of 6
Read and sign
The service agreement, your credit file rights, the Washington information statement and a limited power of attorney. You sign on screen and keep copies in your portal.
Step 4 of 6
Payment
When enrollment opens, you pay for your plan by card. Your cancellation window starts here, and the portal shows the exact date it ends.
Step 5 of 6
Upload documents
Your photo ID, your Social Security document and your proof of address. A clear phone photo works, and files are encrypted the moment they arrive.
Step 6 of 6
Connect your credit reports
Add your IdentityIQ login so we can see all three reports. If you are not ready, you can skip it and add it from your portal later.
What happens after you finish
Once you are signed up, nothing else is asked of you until bureau responses start arriving in your mailbox.
The full timelineRight after
A person reviews your sign up
We check that the documents are readable and the details match. If anything is missing, you get a message in your portal telling you exactly what.
Days 1 to 3
The 47-point scan and your dispute map
The engine checks every account on every bureau, field by field. You see what we will challenge and why, and you can ask about any item first.
Days 3 to 5
Round 1 goes out certified
A person reviews each letter before it prints and mails USPS Certified with Return Receipt. Tracking numbers attach to your file.
After every round
A progress report in your portal
What was sent, what came back, what changed on each bureau, and what happens next.
You can change your mind.
Your cancellation rights come with every plan, in writing, before you pay.
- 3 business days
- Federal law lets you cancel any credit repair contract for any reason within three business days of signing.
- 5 in Washington
- Washington's Credit Services Organization Act gives you five business days.
- Refunded in full
- Cancel inside your window from your portal, by email to info@flowcreditsolutions.com, or by mail, and any payment is returned within ten business days.
- Monthly means monthly
- Credit Essentials can be stopped at any month with no further charge. Read the disclosures
Before you start
The questions people ask on the phone right before they sign up.
Soon. We are finishing the last compliance items before we take payments online. Join the list for the plan you want and we email you the moment it opens. If you would rather not wait, call (425) 610-7779 and we can start your file today.
No. Nothing is charged, and joining does not commit you to a plan. It tells us which plan you are interested in so we can email you when enrollment opens.
Your name, email, phone and the plan you picked are stored so we can reach you when enrollment opens. We do not ask for documents or payment details until then, and we do not sell, share, or rent your information to anyone.
Documents are encrypted the moment they arrive and stored on our own server with a key that never leaves it. Location data is removed from photos. We do not sell, share, or rent your information to anyone.
Start their $1 trial from the credit reports step, or from the link on this page. If you would rather do it later, skip that step and add your login from your portal when you are ready.
If your report has more than two or three problem items, Credit Complete. It runs all three bureau rounds plus collectors, furnishers, and regulator escalation for one payment. Credit Essentials fits a report with one or two clear errors. Credit and Beyond adds strategy and coaching for buyers with a specific approval ahead.
Bureaus match a dispute to your file by name, address, date of birth and Social Security number. A letter that does not match can be set aside as unverifiable, so we confirm those details before anything is mailed.
Call (425) 610-7779, Mon to Fri, 9am to 6pm Pacific, or ask in the chat at the bottom of any page. A person can walk you through the step you are on.
Rather not wait for the website?
Call and we can start your file today, over the phone, without waiting for online enrollment. The chat at the bottom of the page answers questions any time.