Approved.
Done In One® exclusive program

You were declined.
That's a number,
not a decision.

DIO Credit Path reads your Credit Karma report with you, identifies every issue holding your score back, and produces a complete recovery plan — personalized letters, a ranked payoff strategy, phone scripts, and a 90-day calendar. Everything your DIO approval needs.

No hard credit pull
No SSN required
Free for all DIO patients
Plan ready in under 10 minutes
Your estimated score
591
as of your DIO visit
+29 points needed
620
DIO approval threshold
90%
reach approval
90
days avg.
$0
cost to you
Why this is different

Built for implant financing. Not car loans.

Generic credit repair tools are designed for credit card issuers and auto lenders. The thresholds, underwriting criteria, and score factors that matter for a $25,000 full-arch procedure are different — and most credit advice doesn't know that.

DIO Credit Path is built around the specific requirements of Cherry Finance, PatientFi, Lending Club, and Proceed Finance — the three lenders Done In One works with. Every recommendation is calibrated to get you past their actual approval criteria, not a generalized 750 score target.

When you're approved and ready to schedule, your DIO clinic already knows you're coming back. Your treatment plan and pricing are held.

FCRA-grounded dispute letters

Every dispute letter cites the actual statute — Fair Credit Reporting Act Section 611 — that legally compels creditors to investigate and respond within 30 days. These aren't form letters.

Pay-for-delete, not just settlement

Paying a collection account without a deletion agreement helps your wallet but not your score. We write the pay-for-delete letters and scripts that get the account removed entirely.

DIO mails your letters for you

Every letter can be submitted to your DIO clinic to mail certified, with return receipt, on your behalf — within 2 business days. No post office trip required.

Your data never leaves the process

You never share your Credit Karma login. You never enter your SSN. You tell us what you see on your own screen. Nothing is sold, shared, or retained beyond your plan.

The process

From declined to date on the calendar.

The whole process takes about 10 minutes. You'll finish with a complete, specific plan — not a list of tips you already knew.

1

Tell us about your DIO visit

Name, location, and what you know about why financing was declined. Takes 60 seconds. Nothing sensitive yet.

No financial data
2

Walk through Credit Karma with us

Open Credit Karma in another tab. We guide you section by section — you enter what you see. We explain what it means.

Free · No login sharing
3

Confirm your report summary

We show you every issue found before generating anything. You review and confirm it looks right.

You're always in control
4

Get your complete plan

Payoff order, letters, phone scripts, and a 90-day calendar — all written for your specific accounts. Ready in 30 seconds.

Print or let DIO mail it
What's included

A complete plan, not a list of things to figure out.

01
Payoff plan

Ranked by score impact, not balance

Every account is ranked by how much paying it or disputing it moves your score toward 620 — not by balance size or interest rate. We tell you exactly which card to pay down first, the target balance, and why it matters for DIO lender approval specifically.

Pay Capital One to $340 this week (+22 pts est.) Resolve Midland collection before touching cards Authorized user strategy if applicable
02
Letters

Ready-to-mail letters for every account

Dispute letters (FCRA §611) for collections and errors, goodwill letters for late payment accounts still in good standing, and pay-for-delete negotiation letters for settlements. Each letter is fully written — your name, the creditor's name, the account details, the legal citation, and the specific demand. Print yourself or submit to DIO to mail certified.

One dispute letter per collection account Goodwill letters for open accounts with late marks Pay-for-delete offers for collection settlements
03
Phone scripts

Word-for-word scripts with objection handlers

What to say when someone answers, how to get transferred to the right department, how to make your ask, and exactly how to respond to the three most common rejections. Copy to clipboard and read directly — no improvising required.

Pay-for-delete negotiation scripts Goodwill removal request scripts Objection handlers included for each
04
Calendar

Month-by-month action calendar with checkboxes

A 3-month week-by-week calendar where every task is specific — not "dispute your collections" but "mail dispute letter to Midland Credit via certified mail today, note the delivery date, set a 35-day follow-up reminder." Check tasks off as you complete them.

Week 1 through Month 3 fully mapped Built from your specific account list Checkboxes to track progress
Your privacy

We're your dental team, not a data company.

DIO Credit Path was built for one reason: to get patients who were declined for financing into the chair they already planned to sit in. We have no business interest in your financial data beyond that.

🚫

No hard credit pull

We never request access to your credit file. You enter what you see on your own screen. Your score is not affected by using this tool in any way.

🔑

No SSN, no account access

We never ask for your Social Security Number and never ask you to connect or share credentials for Credit Karma or any financial account.

📵

Nothing is shared or sold

The information you enter is used only to generate your plan. It is not shared with advertisers, sold to data brokers, or used for any purpose outside your DIO treatment.

🏥

Your DIO clinic only

If you submit letters through DIO, your clinic coordinator handles them. Your information stays entirely within the Done In One network.

Already have a plan?

Return to your Credit Path plan.

Enter the email address you used when you saved your plan. We'll send you a link to pick up right where you left off.

Your procedure is already designed. Let's finish it.

Completely free for Done In One patients. About 10 minutes. A real plan at the end — not a credit score tip sheet.

No hard pull  ·  No SSN  ·  No cost  ·  Plan ready in under 10 minutes

1
Profile
2
Credit Report
3
Review
4
Your Plan

Let's Get Started

Tell us a little about yourself and your DIO visit. This takes about 2 minutes.

⚠️ Required — your address is printed on every letter so creditors can mail responses back to you.

✓
Profile
2
Credit Report
3
Review
4
Your Plan

Upload your credit report

Download your free credit report from Credit Karma as a PDF and upload it here. We'll read the whole thing automatically — no manual entry needed.

How to download your Credit Karma report

1
Go to creditkarma.com and log in (it's free)
2
Click Credit Report in the top menu
3
Scroll to the bottom and click Download PDF or Print → Save as PDF
4
Upload the PDF below — we do the rest
📄
Drop your PDF here
or click to browse your files
Credit Karma report PDF only
Choose PDF file
Reading your report…
This takes about 15 seconds
✓ Report read successfully — here's what we found
or

Open Credit Karma, then come back here

Open Credit Karma ↗
Scores
✓
Profile
2
Credit Report
3
Review
4
Your Plan

Read Your Credit Report

We'll walk you through Credit Karma section by section. Open it in another tab and come back here — we'll tell you exactly what to look for and enter it as you go.

📊

Step 1: Open Credit Karma in a new tab

Credit Karma is free, doesn't hurt your score, and shows your TransUnion and Equifax reports. We'll walk you through each section. If you already have an account, just log in.

Open Credit Karma →
💡 In Credit Karma: Look at the top of the screen — you'll see two scores side by side (TransUnion and Equifax). Write them both down.
1

On Credit Karma's home screen, find your two credit scores at the top. You'll see TransUnion and Equifax scores displayed as large numbers.

2

Enter both scores below. If they're different, that's normal — lenders typically use the middle score across all three bureaus.

📈 Enter Your Scores

3

Below your scores, Credit Karma shows score factors — the top positive and negative items. Note your top 2 negative factors here.

💡 In Credit Karma: Click Credit Cards in the top navigation, or go to Accounts → Credit Cards in the left menu.
1

You'll see a list of all your credit card accounts — both open and closed. For each card, Credit Karma shows the balance, credit limit, and utilization percentage.

2

For each credit card you see, add it below. Pay attention to cards showing utilization over 30% — those hurt your score most. Also add any cards showing as Charged Off — those are critical.

💳 Add a Credit Card 0 added

💡 In Credit Karma: Go to Credit Report → Derogatory Marks or scroll down on your report to the Collections section. This is often highlighted in red.
1

Collections are accounts sent to a debt collector after you stopped paying. They show in red on Credit Karma. Each one can lower your score by 50–100 points.

2

For each collection, Credit Karma shows: the collection agency name, the original creditor, the amount, and how old it is. Enter each one below.

3

Note: Medical collections under $500 were removed from most reports following recent CFPB rule changes. If you still see one, it's worth disputing.

🔴 Add a Collection Account 0 added

💡 In Credit Karma: Click Loans in the top nav. You'll see auto loans, personal loans, student loans, and mortgages.
1

For loans, we care about two things: loans with late payments, and loans that are currently past due. Current loans in good standing can actually help your score.

2

If a loan shows Current with no lates — skip it. Only add loans showing 30+ days late, Past Due, In Default, or Charged Off.

📋 Add a Problem Loan 0 added

💡 In Credit Karma: Scroll down to the Payment History section of any account. Red boxes = late payments. Click each account to see the full payment calendar.
1

Late payments stay on your report for 7 years, but their impact decreases over time. Recent lates (within 2 years) hurt the most for DIO lender approval.

2

For any open account (still active, not charged off) with late payments, we can write a goodwill letter requesting removal. This works best on accounts you've since brought current.

3

Enter each open account that has late payment marks — even if you've since caught up. We'll draft a goodwill letter for each one.

⚠️ Add an Account with Late Payments 0 added

💡 In Credit Karma: Scroll to Hard Inquiries at the bottom of your report. Hard inquiries stay on your report for 2 years but only affect your score for 12 months.
1

Hard inquiries happen when a lender checks your credit. They lower your score by 2–5 points each and drop off after 2 years. Multiple inquiries in a short window look risky to lenders.

2

If you see any hard inquiries you didn't authorize (you never applied with that lender), those can be disputed and removed.

🔍 Hard Inquiry Summary

✅ You're done with your Credit Karma review! Click below to see a summary of everything you've entered and then generate your personalized plan.
✓
Profile
✓
Credit Report
3
Review
4
Your Plan

Confirm Your Report Summary

Here's everything we found from your Credit Karma walkthrough. Review it and make any corrections before we generate your plan.

Building Your Plan…

Analyzing your report and drafting personalized letters

Reviewing your accounts…
—
Score
Analyzing

Your plan is ready.

620+DIO approval target
Payoff Priority Plan
Your Personalized Letters
Ready-to-mail letters for every issue on your report. Print and mail yourself, or let DIO mail them via certified mail on your behalf.
📬

DIO Mailing Queue

Letters submitted here will be sent certified mail by your DIO clinic within 2 business days. Your coordinator will confirm receipt.

Creditor Phone Scripts
Word-for-word scripts for calling each creditor. Includes objection handlers and exactly how to close the ask.

Welcome back.

Here’s where you stand and what’s left to do.

—
Days on plan

Score Progress

Start Current 620 goal
+0
Points gained
—
Still needed
0
Tasks completed
0
Total tasks

📊 Update your current score

Check Credit Karma and enter your latest score below. We’ll update your progress and let you know how close you are to DIO approval.

"Every payment on time is a vote for the smile you already chose."

Keep going. Most patients who reach 90 days reach approval.

Month-by-Month Action Calendar
Check off tasks as you complete them. Consistent execution is what separates 60-day approvals from 120-day approvals.
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Credit Path patient tracking — DIO staff only

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