Our Process

We believe in a transparent, step-by-step approach to credit repair and funding.

Step-by-Step Process to Fix Your Credit Report

1. Credit Analysis and Evaluation:

We begin by performing a thorough analysis of your credit report from all three major bureaus—Equifax, Experian, and TransUnion. This allows us to identify any negative items, late payments, charge-offs, bankruptcies, or anything else that could be damaging your credit score. We also assess your credit utilization, the mix of credit accounts, and any hard inquiries that could be impacting your score.

2. Freezing Secondary Credit Reports (If Necessary):

In addition to the three major credit bureaus, there are secondary credit reportingagencies, such as Innovis and CoreLogic, that may also hold credit data on you. If any erroneous or fraudulent information exists in these secondary reports, we’ll help you freeze them. Freezing these reports adds an extra layer of protection to prevent unauthorized access and activity.

3. Updating and Removing Personal Information:

Your credit report may contain outdated or incorrect personal information that could negatively affect your creditworthiness. We’ll work on removing:

Old or incorrect addresses or previous residences.
Errors in your name, date of birth, or social security number.
Inaccurate phone numbers, employer information, or other contact details
that may be tied to incorrect or fraudulent accounts.

Clearing up these details helps ensure that your credit report is clean and reflects only the most accurate data.

4. Disputing and Correcting Inaccuracies Using Consumer Laws:

This is where we really dig into your credit report and put the power of consumer protection laws to work for you.

Fair Credit Reporting Act (FCRA): The FCRA gives you the right to dispute any inaccuracies on your credit report. We’ll use this law to initiate disputes on your behalf, ensuring that any inaccurate, incomplete, or outdated information is corrected or removed. Under the FCRA, credit bureaus are required to investigate disputed information and resolve the matter within 30 days.
Fair Debt Collection Practices Act (FDCPA): If there are collection accounts on your credit report, we can use the FDCPA to challenge these debts. If a debt collector is violating the law (e.g., reporting inaccurate information, failing to validate a debt, or engaging in harassing behavior), we can leverage this law to have the debt removed from your report.
Identity Theft and Fraud Protection Laws: If you’ve been the victim of identity theft or fraud, there are additional protections available under the FCRA and other laws to help remove fraudulent accounts from your credit report. We’ll help you use these protections to ensure that any unauthorized activity is cleared, and your credit score isn’t negatively impacted by crimes you didn’t commit.

5. Building Positive Credit History:

In addition to addressing negative items, we’ll help you build positive credit moving forward. This could involve:

Getting a secured credit card to help improve your credit mix and payment history.
Becoming an authorized user on a family member’s account to help boost your score (without being responsible for the debt).
Improving credit utilization by paying down high balances and keeping your credit card balances low (ideally under 30% of your available credit).

These strategies will help you establish a strong, positive credit history, which is key to boosting your credit score over time.

7. Monitoring and Ongoing Support:

Credit repair is an ongoing process. We’ll set you up with credit monitoring services to keep track of your credit score and any changes on your report. This allows us to catch any new inaccuracies or issues as they arise, and we’ll continue to support you in making any necessary updates or corrections to your credit profile.

Why This Matters and What You Can Expect:

The goal of this process is to help you improve your credit report so that it accurately reflects your financial behavior and opens doors to better financial opportunities. By leveraging consumer protection laws such as the FCRA and FDCPA, we ensure that any errors, inaccuracies, or fraudulent accounts are disputed and removed legally.

Additional Key Points

Timeframes: While the process can take time, you may start to see noticeable improvements in your credit score within 1 to 6 months as negative items are removed, disputes are resolved, and positive actions are taken.
Legal Protections: Under the Fair Credit Reporting Act (FCRA), you have a right to dispute any inaccuracies, and credit bureaus are obligated to investigate within a set time frame. Additionally, if you’re a victim of fraud, there are specific procedures to follow to ensure that fraudulent items are cleared from your report.

Consultation

We evaluate your credit profile and discuss your financial goals.

Credit Analysis

Our experts review your credit report and identify items for dispute.

Dispute Process

We dispute inaccurate or unfair negative items on your behalf.

Credit Building

We provide strategies to help you build and maintain strong credit.

Funding Assistance

We help you secure personal and business funding with optimized credit.

Results Monitoring

We track your progress and ensure you stay on the right financial path.

Take control of your financial future today!

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Take the First Step Toward Financial Success

We make it easy for you to begin your journey toward financial freedom.

Whether you need credit repair, funding, or business financial guidance, our team is here to assist you.

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Call us now or fill out our survey form to get started!

Got Questions?

Frequently Asked Questions

How long does credit repair take?

Credit repair varies by case, but most clients start seeing results within 30 to 90 days.

Can you remove all negative items from my credit report?

While we cannot guarantee the removal of every negative item, we have successfully disputed and removed late payments, charge-offs, collections, and more.