Our Credit Repair Process

Step 1: Submit a Verification Request

The first part of our credit repair process is that we initiate a verification request with Equifax, Experian, and TransUnion to rectify any inaccurate, incomplete, outdated, or unverifiable information on your credit report. This process aligns with the Fair Credit Reporting Act (FCRA) § 611 (15 U.S.C § 1681I), ensuring your consumer rights are upheld.

Fair Credit Reporting Act § 611 (15 U.S.C § 1681I) (a) (1):
If you dispute the completeness or accuracy of any information in your consumer file, we conduct a free, reasonable re-investigation within 30 days.

Step 2: Optional Re-investigation

If necessary, we submit a re-investigation request to address lingering inaccuracies, incomplete, outdated, or unverifiable information with the credit bureaus.

Fair Credit Reporting Act § 611 (15 U.S.C § 1681I) (5) (A):
If the re-investigation confirms inaccuracies, we must promptly delete or modify the information and notify the furnisher of the correction.

Step 3: Secondary Verification

If required, we send a verification request directly to the source reporting the information on your credit report, adhering to the Fair Debt Collection Practices Act (FDCPA) § 809. Validation of Debts.

Fair Debt Collection Practices Act § 809 (a) (4):
If you dispute a debt in writing within thirty days, we obtain verification and provide you with the necessary documents.

Step 4: Dispute Resolution

If verification is still pending, we notify the credit bureaus of the unverified information, ensuring compliance with relevant laws.

Step 5: Comprehensive Review

Our team will thoroughly review and address any remaining unverifiable information on your credit report, ensuring a comprehensive resolution.

Have Questions?

Explore our Frequently Asked Questions section for detailed answers.