Earn Back Your Credit provides customers with a three­pronged approach to credit report improvement: 1) Educate. EBYC educates on the inner workings of the credit industry; 2) Support. EBYC provides a monitored network for peer support; and 3) Report. The EBYC program is purchased on credit with monthly payments recorded and reported to the major credit reporting agencies allowing the customer to impact their credit report for a very low fee.