OUR PROCESS

There are 6 steps to our process.

What We Do

1.  WE START WITH YOUR CREDIT REPORTS and SCORES.

  • We provide all of our clients with an exclusive link to pull their credit reports and scores.
  • Unfortunately, we cannot use the incomplete reports (and Vantage scores) provided by Credit Karma or Credit Sesame.


2.  REVIEW and ANALYZE CREDIT REPORTS.

  • We provide an in-depth review and analysis of all three credit reports to determine current challenges and opportunities for success.
  • We map out a strategy to efficiently maximize score progression.


3.  DISPUTING BEGINS.

  • We utilize the FCRA and FDCPA to challenge unverifiable, inaccurate and erroneous information on the reports.
  • Our dispute method minimizes the chances that once removed, items can legally reappear on your credit reports.


4.  WAITING FOR RESPONSES.

  • Once the disputes are sent, we are required to give the CRA's (credit reporting agencies) 30 days, after receipt, to investigate and respond.
  • If they fail to respond within that period of time, the item must be removed.
  • If the item cannot be verified within that period of time, it must be removed.
  • If the item IS verified, the CRA must provide proof of verification.  If they cannot, the item must be removed.
  • Sometimes this process can be completed in the first dispute round.  Sometimes it can take multiple challenge rounds.  There is no way for us to provide you with an "exact" time-frame for verification, update or deletion.


5.  UPLOAD RESPONSES FROM CREDIT REPORTING AGENCIES TO YOUR CLIENT PORTAL

  •  After each round of challenges, you should anticipate a response from the credit reporting agency.  When you receive responses, we ask that you upload them into your client portal immediately.
  • We will then update your file and move on to the next round of challenges, if necessary.
  • Should any of the challenged items come back as verified, with no changes, we follow-up with the credit bureaus and request a response as to why the inaccurate or unverifiable information was not updated or removed.  


6.  REPEAT STEPS 1 THRU 5.

  • We repeat steps 1 thru 5 until adequate score progression is achieved.
  • Upon completion of our program, our clients receive a Certificate of Completion and complete an Exit Interview.
  • If necessary, our clients are welcome to utilize our services, at any time in the future, for the same monthly fee without having to pay another analysis or start-up fee.

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