Second step, is to do a complete analysis breakdown of each component that makes up your whole credit profile. In this step we will identify opportunities we can tackle to improve your credit score.
Third step, once we identify all derogatory items on your report we will professionally and legally craft a written dispute letter designated to each specific negative item on your credit report.
Fourth step, send letters to each credit bureau disputing the negative items on your report. (Up to 5 items at a time)
Wait up to 30 days for a response from the credit bureaus.
Fifth step, after we receive a response from the credit bureaus they will either remove the negative item or ask for more information.
Every round of letters are escalated to the next stage of legal action backed by the Federal Credit Reporting Act (FCRA) that was established in 1970.
Sixth step, we then rinse and repeat until we remove all negative items from your credit report. Most of our clients receive the best results between 4-6 months after they begin service. Every case is different and our credit experts are here to help you throughout the whole journey, no matter how hard the situation is.
The Fair Credit Reporting Act is a U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. Together with the Fair Debt Collection Practices Act ("FDCPA"), the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in 1970.
The FCRA gives you the right to dispute anything that appears on a credit report. If that item can’t be verified, it must be removed. The Federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as agencies that sell information about check writing histories, medical records, and rental history records). For more information, including information about additional rights, go to www.ftc.gov/credit