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Credit Repair Service

Getting Started:



As part of the enrollment process, one of our trained Credit Specialists will review your credit reports and provide a consultation. The consultation is important because we want to provide advice and get feedback so we can do a better job. When the enrollment is complete, our Service Department will carefully analyze each report to determine what items will be disputed, how and on what legal basis.


Credit Bureau Disputes:



Using our experience and consumer protection laws such as the FCRA, FDCPA, FACTA & the FCBA we create and mail a custom dispute letter to each of the 3 major credit bureaus disputing up to 45 individual items. Under Federal Law the credit bureaus are required to investigate. Each bureau is required to investigate each item by contacting the source that reported it.


Investigation:



If the source fails to verify the item, it is deleted. If it is updated, something has changed and if it is verified; nothing changes. Regardless of the result, each credit bureau is required to mail an updated credit report with each completed investigation.


Creditor Interventions:



Based on the responses from the bureaus; typically we draft up to 15 dispute letters and mail to creditors, collection agencies or any other furnisher that reported the information. Interventions include validation demands, goodwill letters, disputes and information requests. This is a time consuming and expensive process that most “credit repair” companies do not bother with however; we feel it is absolutely necessary.


Sit Back and Relax:



We do all of the work and will be behind the scenes working hard to improve your credit. You will be issued login credentials granting you access to your own secure client portal where you can communicate, track progress and upload documents 24 hours a day, 7 days a week. The credit improvement cycle will repeat until your credit is fully restored. The credit bureaus can be extremely stubborn but our experience has shown that a bit of persistence and pressure can often bring resolution to even the most complicated credit problems.


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