Personal Credit Repair
Credit Report Review:
The process typically begins with obtaining copies of your credit reports from the major credit bureaus. We review your reports carefully to identify any errors, inaccuracies, or negative items.
Identification of Errors:
Our Credit specialists carefully review the credit reports to identify any errors, such as incorrect account information, inaccurate payment history, or fraudulent accounts.
Dispute Process:
Once errors or inaccuracies are identified, the next step is to initiate a dispute with the credit bureaus. We will reach out for any needed documentation to help support the inaccuracies.
Investigation by Credit Bureaus:
Upon receiving a dispute, the credit bureaus are required by law to investigate the disputed items within a reasonable timeframe (typically 30 days). During the investigation, they will contact the data furnisher (e.g., creditors, lenders) to verify the accuracy of the information.
Resolution of Disputes:
After completing their investigation, the credit bureaus will update your credit report based on the outcome. You will receive a revised copy of your credit report reflecting the changes.
Monitoring and Follow-Up:
Throughout the credit repair process, we will monitor your credit reports regularly to ensure that inaccuracies are addressed and corrected.
Improvement in Credit Score:
As inaccuracies are corrected and negative items are removed from your credit report, your credit score will improve which in turn will result in better access to credit, lower interest rates on loans and credit cards, and improved financial opportunities overall.