Step 1: Initial Credit report and consultation:
After signing up, our Welcome Kit will be issued to you by mail. Please fill out all documents and return signed items to us. We will then contact you for our first initial credit education consultation. During this call we will order all 3 bureaus credit reports and import all negative items into our database.
Step 2: Choose which items to question:
We send you a copy of all three credit reports along with a dispute sheet. This dispute sheet will have canned responses on why the negative items are questionable. Please apply a dispute to all of the questionable items on your report.
Step 3: We go to work:
Once we receive your report with the disputes we will start the credit repair process, drawing upon our vast arsenal of credit report repair strategies to challenge questionable items directly with the credit bureaus. Depending on the number of questionable items on your credit reports, this step will be repeated for each subsequent cycle. While we are disputing your items you should receive updated reports from the credit bureaus. It is important to forward each updated report to us so we can track which questionable items were deleted.
Step 4: We get the results:
The credit bureaus by law have 30 days to investigate your dispute. After that, they must inform you of their results and send you a copy of your updated report. It usually takes 60 days from the day we send a dispute to the day you receive an updated report. When you receive a response from a bureau, make a copy of the updated report for your records then send the original to us. With this information we will update your account and send you a new email with your progress. These progress reports will be delivered to your e-mail every other week. This 4 step cycle sometimes needs to be executed multiple times until the questionable items have been removed and as each new cycle begins, hopefully there will be less questionable items on your credit reports.
There are five factors in determining your credit score:
Why Credit Matters
Credit can affect everything from home loans, auto loans, rental agreements, insurance, social status, and even employment. Bad credit means higher rates on just about everything related to borrowing money. Making a plan to try to improve you credit will help save you money.
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