How Can I Rebuild My Credit After Completing the Program?

TABLE OF CONTENTS

• Request Confirmation of Settlements
• Review Your Business Credit Report
• Establish New, Positive Tradelines
• Keep Personal & Business Credit Separate
• Focus on Consistency
• Need Guidance?
• In Summary

Completing your debt relief program with Debt Consultants Group (DCG) is a major step toward financial recovery — and a fresh opportunity to rebuild your business credit. While debt settlement may impact your credit profile in the short term, many clients find they are in a much better position to rebuild once their high-risk debts are resolved.

Here’s how you can begin restoring and strengthening your credit after program completion:

 1. Request Confirmation of Settlements

DCG will provide you with documentation for each completed settlement, including:

• Proof of payment to the creditor

• Settlement agreement terms

• Creditor confirmation that the debt is resolved or “settled in full”

Keep these for your records in case any item needs to be disputed or corrected on your credit report.

2. Review Your Business Credit Report

Check your business credit profile (from sources like Experian Business, Equifax Business, or Dun & Bradstreet) to ensure:

• Settled accounts are marked correctly

• Closed debts no longer report as past due

• No new negative items have been added in error

If you notice inaccuracies, contact the credit bureau or creditor directly to request a correction — and feel free to ask DCG for supporting documents.

3. Establish New, Positive Tradelines

Once your financial situation stabilizes, consider opening new accounts designed to build credit responsibly. These might include:

• A secured business credit card

• A business vendor account with net-30 terms

• A credit-builder loan or small business line of credit

Be sure to make payments on time and keep utilization low to help reestablish a strong payment history.

4. Keep Personal & Business Credit Separate

Whenever possible, avoid tying new business accounts to your personal credit — especially if your personal credit is also in recovery. Rebuilding business credit independently gives you more flexibility down the road.

5. Focus on Consistency

Rebuilding credit takes time, but every on-time payment and responsible account helps. Most clients see gradual improvement in creditworthiness within 6 to 12 months of completing the program.

Need Guidance?

Your Case Manager can provide general tips on rebuilding credit and may refer you to a credit restoration professional if you need more targeted support.

In Summary

Rebuilding your credit after completing the DCG program is absolutely possible — and often easier than trying to recover while juggling unmanageable debt. With your accounts settled, your payments stabilized, and a plan in place, you can move forward with confidence and control.