HOW WE DO IT
You will be required to provide us with your credit reports from all three credit bureaus, Equifax, Transunion, and Experian. We prefer that you use Identity IQ to pull all three of your credit reports because of the ease of use and their $1.00 trial. They also offer a lot of additional features if you stay on with their membership.
Secondly, we provide you with a deep analysis of your credit report, spotting all inaccurate information. We then look at the various factors that are pulling your credit score down and provide you with actionable steps to get your score back up. Lastly, we provide you with step by step guidance on how to rebuild and restore your credit. We focus on fixing your credit from start to finish.
Thirdly, we load all of the inaccurate, misleading and unverifiable information into our system, and begin to challenge questionable information with the credit bureaus, creditors, and collectors. Once the dispute letters are ready, we send them out to all furnishers and credit bureaus and wait 30 to 40 days for updates. You can track your credit repair progress using our online portal.
Once the updated credit reports come back from the furnishers, we will analyze the updates for any changes to the inaccurate, misleading and unverifiable information. If there are changes, we will update your file and then move on to the next inaccurate, misleading and unverifiable item. If the item comes back verified with no change, we will then follow up with the credit bureaus or the furnisher to try to get a resolution on why the inaccurate information is still on the credit report. We focus on fixing your credit from start to finish. We will also provide financial coaching to help you avoid getting in this situation again.