So How Does It All Work...

Step #1 Retrieve Credit Report

Credit report for all three credit bureaus , experian , equifax and transunion.

First step, is to retrieve your personal credit report from all 3 Credit Bureaus. The three main Bureaus are Experian, Equifax , and Transunion

Step #2 Complete Credit Audit

Detailed analysis of your credit score, credit profile and credit report.

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 imrove your credit score. This is very important in the credit repair steps.

Step #3 Craft Legal Dispute Letters

Legal dispute letters to dispute collections ,negative and derogatory items on your credit report.

Third step, once we identify all derogatory items the most important part of credit repair begins, we will professionally and legally craft a written dispute letter designated to each specific negative item on your credit report. 

Step #4 Send Letters to Credit Bureaus

Dispute letters sent to credit bureaus.

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. 

Step #5 Take Further Action if Needed

Fair Credit Reporting Act

Fifth step, after we receive a response from the credit bureaus they will either remove the negative item or ask for more information, this is normal in your credit repair process. 

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.

Step #6 Rinse and Repeat

Credit removal process is continued to delete negatives from your credit report.

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 the credit repair 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. We love helping our neighboring communities of Carlsbad, Vista,  & Oceanside.

Watch This Video..

We have the right to dispute...

The Fair Credit Reporting Act

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.[1] 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. Therefor we use this law to our advantage when we go through the credit repair steps. We are now servicing the areas of Oceanside, Vista, & Carlsbad.

How does this law make credit repair possible?

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