How Credit Repair Works
You can't drive how you want, you have to follow the traffic laws. Just like traffic laws the banks, credit bureaus, and creditors have credit laws governed by the FCRA and the FDCP that they must follow. A lot of times banks, credit bureaus and collection agencies do not follow these laws when reporting derogatory accounts.
The good news for you is that the Burden of proof is on the creditors and credit bureaus to prove they have properly complied with the laws governing reporting the information that appears on your credit report. Our job is to find what they have incorrectly reported on your report and leverage the laws to remove the accounts from your credit.
Audit
The first step is to identify the problems and issues holding back your credit with a comprehensive credit analysis
Challenge
Using consumer protection laws such as the FCRA, we file factual disputes to challenge the errors on the derogatory items holding back your credit
Repeat
If items come back “verified” we escalate the dispute process and even include the creditors in the dispute process
What is Included In our service
Fixing your credit is our goal. We will work hard to correct, update or remove the following inaccurate, misleading and unverifiable items listed below:
Late pays
Tax liens
Inquiries
Short sales
Collection accounts
Identity Theft
Charge offs
Account sold
Authorized users
Bankruptcies
Outdated
Medical bills
Repossessions
Foreclosures
Duplicates
Child support