As part of the enrollment process, we provide a one-on-one consultation with one of our trained Credit Specialists to review your credit report. When the enrollment process is completed, our Service Department carefully analyzes each report to determine what items will be disputed, how and on what legal basis.

The process starts by disputing with the credit bureaus to root out the inaccuracies and violations committed. Using the consumer protection laws such as the FCRA, FDCPA, FACTA & the FCBA we create and mail a custom dispute letter to each of the 3 major credit bureaus disputing up to 45 individual items. Under Federal Law the credit bureaus are required to investigate. Each bureau is required to investigate each item by contacting the source that reported it.

You will receive updated credit reports approximately 30 to 45 days later; individually from each of the 3 credit bureaus. You may upload to your online account, email, fax or mail the correspondence received in response to our disputes. We will review the responses, transfer the results into your online account and determine what is the next course of action.

The process is repeated with persistence until your credit file is completely accurate and free of mistakes, duplicates and false negatives. During the process at any time, we encourage you to call us to discuss special requests, such as settlement offers for recent debts that have been deemed accurate and to discuss possible credit building optimization.