Credit Repair, The Process

Step 1 :  Free Consultation

The first step we like to take in helping you reach your goals is to conduct a free consultation. After all, how can we build a custom plan tailored for you if we haven’t seen what needs repairing? During this free consultation we identify items on your credit report that need to be addressed.

Step 2 : Credit Report Audit

The second step in the journey is to perform a credit report audit. Our credit repair experts comb through your credit report, line by line and create an audit. The intended use of the audit is to provide support and knowledge, in respect to the consumer data provided on your credit report. Once we prepare the audit we will send you a very detailed email, custom written around your credit report.

Step 3 : Repair Process Starts

After your audit, we will start working on your credit report based on the information and data we have obtained during the audit process. The first step is to correct any and all incorrect personal information on your credit report. We typically start to see results within 15 days after starting.

Step 4 : The Waiting Period

Now we wait! This part of the credit repair process typically takes 30 Days … This is where the fun begins! The Credit bureaus legally have 30 days to respond to our disputes. This involves the credit bureaus investigating items that we are disputing on your behalf with our proven factual verification process. Be sure to check your mail for any letters the credit bureaus may send you. If you can, e-mail or scan them to us as you receive them.

Step 5 : Credit File Completion

Once we complete your Credit repair process, you will have several opportunities to continue to work with us regarding your credit. We offer an array of other services that consist of proactive credit repair, monthly membership options and more. So please, if you think of anything that you may need, consider us first! We are always eager to help. As we believe Knowledge is Power.

We Leverage FCRA and FDCPA Laws

Fair Credit Reporting Act

We Leverage FCRA Law on your Behalf. If ANY of the the information on your Credit Report is Inaccurate, unverifiable or incomplete it must be removed or corrected, within 30 days. If the Bureaus do not Comply with our Disputes, and the information in question continues to be reported, they are in violation of FCRA Laws. We work directly attorneys Who use Legal demand for Forced Removal of Violations.

Fair Debt Collection Practices Act

If you’re behind in paying your bills, or a creditor’s records mistakenly make it appear that you are, a debt collector may be contacting you. The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you.redit Reporting Act.

FCRA Fair Credit Reporting Act
 

The Fair Credit Reporting Act, 15 U.S.C. § 1681 (“FCRA”) is 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, and is enforced by the US Federal Trade Commission, the Consumer Financial Protection Bureau and private litigants.

FDCPA Fair Debt Collection Practices Act

The Fair Debt Collection Practices Act (FDCPA), Pub. L. 95-109; 91 Stat. 874, codified as 15 U.S.C. § 1692 –1692p, approved on September 20, 1977 (and as subsequently amended) is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. The statute’s stated purposes are: to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information’s accuracy. The Act creates guidelines under which debt collectors may conduct business, defines rights of consumers involved with debt collectors, and prescribes penalties and remedies for violations of the Act. It is sometimes used in conjunction with the Fair Credit Reporting Act.

Data Security

So why should I trust this Company with my personal information ? 

 

We make it our number one priority to make sure that your personal information is secured. We have professional grade business-class encrypted email servers. And everything is stored on our world class CRM built for credit repair. Securing sensitive data is a critical concern for organizations of all types and sizes. Credit reports and other personal information is stored and secured in such a way that only authorized personnel are able to access the information. Sensitive information is kept in our company’s CRM system. It is imperative that organizations are aware of the importance of data security and are dedicated to ensuring that employees, customers and partners are protected.

What is a CRM ?

Customer Relationship Management

A CRM system is a business tool that allows us to manage all of our customers, partners and prospects information all in one place Securely.

Credit Repair Questions ?

Credit repair is a service provided under the CROA (Credit Repair Organizations Act) that allows credit repair service providers to assist consumers in the correction of items on their consumer credit reports that prove to be inaccurate, outdated, or unverifiable.

We work with the creditors and credit bureaus to find legitimate reasons to have incorrect, unfair, or questionable items removed from our clients credit reports. More often than not, we find violations. If we do, we leverage FCRA (Fair Credit Reporting Act) laws on your behalf to remove the item(s) in question.

This is a tricky question. For one, we can’t tell you upfront that ANY item can or will be removed from our clients credit reports guaranteed. Again, like all legally compliant credit repair agencies, we can only remove items that show to be inaccurate, outdated, or unverifiable. However, many items on consumer credit reports tend to fall into one of those categories.

There is no fast and easy answer to this question. The time it takes to repair your credit is completely dependent upon your personal situation. We value each member’s unique situation, and provide customized plans to suit varying member needs. In general, clients are usually complete in 30-120 days.

Because the credit bureaus say so. Unfortunately, there is wording in the law that requires you to provide certain information. If you don’t supply the proof of your identity and address, the bureaus will simply ignore your dispute and we will get nowhere.

Below is a list of what can be used as proof. You must send 1 proof of photo ID, 1 proof of social and 1 proof of address.  

  • Driver’s License  
  • Passport
  • Utility Bill  
  • Social Security Card  
  • Tax Form  
  • Bank Statement

A monitoring program is a good way of tracking the credit repair progress. You obtaining a monitoring service allows us to see exactly what needs to be done, and check up on the bureaus and creditors and the removal of items in question. When the bureaus say something has been corrected or removed, we need to be able to verify that the item(s) in question have in fact been REALLY corrected and reported accurately.