What to expect in the credit repair process


As a client, you will need to forward to our office anything you receive in the mail from the credit reporting agencies and data furnishers.  In some cases, we may prepare correspondence on your behalf for you to mail out to these companies as well.  Here's how it works:

Step One
ONE TO SEVEN DAYS: We will set up your case and order your credit reports for you.

Step Two
SEVEN TO FOURTEEN DAYS: You will receive your credit reports in the mail. Make copies for your records and mail the originals to us. We will begin your case-work and...

a) We will prepare documents on your behalf requesting furnishers of credit information to validate claims within FDCPA and state law guidelines (we may send some of these documents to you for you to mail out via certified mail), and

b) We will notify Experian, Equifax and TransUnion credit bureaus to reinvestigate entries and to ensure FCRA/FACT Act compliance (we send these documents directly to the credit reporting agencies ourselves).

Step Three
TWO MONTHS: The credit bureaus will mail you the results of the reinvestigation. Generally, about 15% - 30% of the negative and invalid information is deleted at this time (results vary case by case). Make copies for your records and mail the originals to our office.

Every time you receive your results (the updated credit reports), forward them to our office. On average, most of our clients that remain in the credit repair program for a minimum of 11 months see roughly 70% of the negative and invalid items deleted.

PLEASE NOTE: If you are ambivalent about the level of success in your case after a minimum of 11 months, we will, at your request, perform an audit of the number of deletions / improvements.  If we have not removed at least 60% of the negative and invalid items from your credit reports, we will continue to work on your case at no charge until that 60% quota has been met.

EXPECT DRAMATIC IMPROVEMENTS AS THE STAGES PROGRESS

How it works       What to expect       What it costs