Our Credit Repair Process
Step One
You will be required to provide us with your credit reports from all three credit bureaus, Equifax, Transunion, and Experian. We prefer that you use smart credit to pull all three of your credit reports because of the ease of use. They also offer a lot of additional features if you stay on with their membership. If you don’t like Smart Credit, you can pull your credit reports from any provider that you choose.
Step Two
Secondly, we provide you with a deep analysis of your credit report, spotting all inaccurate information. We then look at the various factors that are pulling your credit score down and provide you with actionable steps to get your score back up. Lastly, we provide you with step by step guidance on how to rebuild and restore your credit. We focus on fixing your credit from start to finish. Our goal is to help consumers with bad credit through our restoration program.
Step Three
Thirdly, we load all of the inaccurate, misleading and unverifiable information into our system, and begin to challenge questionable information with the credit bureau, creditor, and collector. Once the dispute letters are ready, we send them out to all furnishers and wait 30 to 40 days for updates. You can track your credit repair progress using our online portal. We focus on fixing your credit from start to finish. Our goal is to help consumers with bad credit through our restoration program.
Step Four
Once the updated credit reports come back from the furnishers, we will analyze the updates for any changes to the inaccurate, misleading and unverifiable information. If there are changes, we will update your file and then move on to the next inaccurate, misleading and unverifiable item. If the item comes back verified with no change, we will then follow up with the credit bureaus or the furnishers to try to get a resolution on why the inaccurate information is still on the credit report. We focus on fixing your credit from start to finish. Our goal is to help consumers with bad credit through our credit repair and restoration program.
WHAT IS INCLUDED IN THE 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
Collection accounts
Authorized users
Tax liens
Identity Theft
Bankruptcies
Inquiries
Charge-offs
Outdated
Short sales
Account sold
Medical bills
Repossessions
Foreclosures
Duplicates
Child support