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Personal Credit Repair

The credit repair process involves four major steps. These steps are key to getting you a better score. They will work to help you fix your credit and ultimately improve your credit score by removing any inaccurate information from the report. We will evaluate what can be done to improve and change the information on your credit profile that is reducing your credit scores. Even the smallest changes can make the difference and bring better pricing on financing depending on the individual credit profile. We have worked with clients from both ends of the spectrum including those who have gone to bankruptcy and those with only one delinquency.

How The Credit Repair Process Works

1 Step

The first step is to identify the problems and issues. This is done by completing a deep credit analysis. In order to provide you with a full credit analysis, our team of experts asks that you first provide us with your most current credit report, We do not pull the initial credit reports and scores since third party review can reduce credit scores. Using our directions you can purchase your reports/scores without hurting your credit.

2 Step

Once all the inaccurate, unverifiable and misleading information has been spotted, we load it into our system and begin the dispute process. We challenge the information by reaching out to the creditor, collector and credit bureaus. The process is initiated by sending out letters. From there, we wait about 30 days to see if anything changes or what the response is. You can check the progress of the repair process through our online portal.

3 Step

During the credit restoration process, you will be given weekly updates as well as advice and education about how to continue raising your credit score. The education will come via emails.
We offer a variety of services that you can learn more about through the private online portal. Things like legal assistance, credit monitoring and cards to help you rebuild your credit.

4 Step

After the reports have been updated on a monthly basis, we go through the reports again to see what has been changed or corrected. Any changes and updates are noted in your file. We will continue to go through the report and request that any remaining misleading and inaccurate information be removed or updated. If an item is reported as being verified, we will continue to follow up with the entity that submitted the information to the credit bureau along with the reporting bureau.

OUR CREDIT EXPERTS CAN HELP YOU WITH

Increasing your credit score is our goal and we will work hard to remove inaccurate items listed on your credit, report such as:

  • Late Payments
  • Credit Inquiries
  • Accounts In Collection
  • Charge-Offs
  • Accounts Sold
  • Medical Bills
  • Short Sales
  • Tax Liens
  • Foreclosures
  • Bankruptcies
  • Repossessions
  • Identity Theft
  • Duplicate Information
  • Outdated Information
  • Authorized Users
  • Student Loans

For many clients, Debt Negotiation and Credit Building will be part of the credit repair process. After the initial analysis and review, if these services are needed we will provide you with the details of how the process will work.