The credit repair process can take up to 3 to 6 months to a year or more to see your credit profile cleaned. However, you can see results in as little as 30 to 90 days. Every credit profile is different and so is every outcome and time frame. We work diligently to expedite the process and keep you informed about progress along the way.

Unfortunately , we can not guarantee specific outcomes or results - no one can. Our credit repair services aim to improve your credit by addressing inaccuracies and working towards the removal of negative items from your credit report. The extent of improvement will depend on individual circumstances and cooperation from creditors and credit bureaus.

I actually employ all three of these methods of disputing. All based on the FCRA - sections 1681e, 1681i and 1681s2 particularly, the CDIA Metro2 compliance standard and consumer case law. We use the factually inaccurate, incomplete or unverifiable information that is reporting on your negative accounts to get them deleted.

We will handle disputes by following established legal procedures. Our experienced team will draft dispute letters based on the specific issues identified, and we will submit them to the appropriate credit bureaus and creditors. We will closely monitor the responses and take necessary actions to achieve the best possible outcome.

If they continue to verify inaccurate information, update information that we are not asking them to delete, ask us to provide more identification information after we already have or if they do not respond in the 30-day time period that they are supposed to, then they are using stall tactics and are actually proving that they are in violation of the FCRA. Which then gives us the standing to move forward with assisting you in submitting the necessary complaints to the various enforcement agencies and connecting you with a consumer rights attorney in your area that can help you sue the credit bureaus for up to $1,000.00 per violation.

No. It is not necessary to freeze your secondary credit reports (LexisNexis, SageStream, LCI, Innovis, CoreLogic, ARS, etc.). Doing so does not stop the bureaus from verifying the disputes directly with the creditor or collection agency via eOSCAR and Metro2. And you cannot freeze either of these two systems. Freezing your secondary reports only stops lenders and unauthorized individuals from accessing those reports without your express authorization. And in order to apply for most new credit accounts, you will eventually need to unfreeze them anyway. Unless you are really the victim of fraud or have a hard time yourself, with applying for random credit, then I would not recommend freezing your secondary reports.

We use CreditDyno because they provide us with the most accurate information when it comes to what is on your credit report. We will not work on your credit without it. Unfortunately, we cannot accept other services as they are not fully accurate. Everything we do is custom to you so we NEED to see what is on all of your reports so we can properly game plan, and provide the most accurate advice. We do not only challenge negative items, we also help you BUILD YOUR CREDIT and this is a crucial component in our plan to help you increase your score.

Absolutely! That’s a very important step in our program. We will provide guidance and education on credit-building strategies. We will share recommendations to help you establish positive credit habits, manage your finances responsibly, and improve your credit score over time.

To initiate the credit repair process, we require

-       Signed Service Agreement

-       Credit Monitoring Details

-       Proof of Address

-       Identification

-       Social Security Number

Yes! I am glad you asked that question. Here’s how we can use your help to ensure youre optimizing your scores and reaching your goals quickly.

-       Pay all open accounts ON-TIME moving forward

-       Keep credit utilization low , below 30%. Pay BEFORE statement close date

-       Don’t apply for new credit (outside of credit building recommendations)

-       Forward me all responses from the Credit Bureaus

-       Provide a new Proof of Address every 45 days.

Staying on top of these recommendations will ensure our process runs smoothly.