Our Easy 5 Step Process
Step One
You will be required to provide us with your credit reports from the three main credit bureaus: Equifax, Transunion, and Experian. We recommend that you use IdendityIQ.com to pull all three of your credit reports because of the ease of use and their $1.00 trial. Plus if you stay on with their program, they offer lots of additional benefits to their members. If for some reason you don’t like Identity IQ, Privacy Guard is also a viable alternative.
Step Two
Second, we provide you with an in depth credit analysis of your credit report to identify any questionable or unverified information which may be adversely affecting your credit. We then look at the various factors that are likely pulling your credit score down and provide you with actionable steps likely to get your scores back up. Lastly, we provide you with step by step guidance on how to rebuild and responsibly maintain your credit.
Step Three
Third, we perform an FCRA Compliance Audit to determine if the credit bureaus and data furnishers are reporting in compliance with the law. If they are not (which we find VERY often) we develop a plan to begin challenging the questionable information with the parties responsible.
Step Four
Once we have a strategy in place, we begin disputing the items through our proprietary compliance support process. Meanwhile, take a load off and wait for the bureaus to reply. The are allowed 30-40 days to respond by law. Once your credit reports are updated, we review them for any changes to the inaccurate, misleading, and unverifiable information. If there are changes we will notate your account, and then move on to any remaining items in question. You can also track your progress 24/7 using our online customer portal.
Step Five
During your journey, you will be educated weekly on all aspects of raising your credit scores, debt settlements, and rebuilding credit. This education will be presented to you in the form of emails, text messages, or voice broadcasts. You can also log into your private online portal to learn more about other products available such as credit monitoring, legal assistance, and cards for rebuilding credit. We stay focused on your scores from start to finish. Our goal is to help consumers not only fix their credit report problems, but to learn how to use their credit responsibly.