Credit repair helps clients take on their credit by disputing the inaccurate, untimely, misleading, biased, incomplete or unverifiable negative items from their credit reports. Many consumers are under the impression there is nothing that can be done to change the information on their credit reports. Thankfully, this is not true. Federal law gives you the right to have misinformation on your credit reports corrected. You are ultimately responsible for assuring that your credit reports accurately represent your behavior as a consumer.
There are four stages to the Credit repair process: Stage
1: Forward your credit reports. After signing up, you will begin by forwarding to us your credit reports from the three major credit bureaus. If you do not have your reports, we can help you purchase one instantly. With each cycle, you should receive updated reports from the bureaus. It is important to forward each updated report to us so we can track which questionable items were deleted.
Stage 2: Choose which items to question. Once your credit reports are received, our staff enters the information into our database. You then choose which items you wish to challenge.
Stage 3: We work your case. We begin the dispute process by drawing upon our vast arsenal of credit report repair strategies to challenge questionable items directly with the credit bureaus.
Stage 4: Sit back and relax. The credit bureaus 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.
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