First
You will need to get your credit reports from all three credit-reporting agencies: Equifax, Experian and Trans Union. The best way to do this is to go to: www.annualcreditreport.com, a website which offers this service to you 100% free of charge once a year. Don’t worry; you’re also entitled to get your FREE report, for other reason as well, just ask us how. After you have printed off all of your current reports, you will then need to forward them to us along with a copy of your driver’s license, social security card and two current utility bills matching the address on your driver’s license. You may choose to forward these materials via fax, or if you prefer we can meet with you in person at our office or even in the comfort of your own home.
Second
Once you have provided us with your current reports, we will review and analyze them directly with you (a $250.00 FREE Value). At that time, we will inform you on how to read and understand your credit reports by identifying all your accounts with adverse or negative information.
Third
As soon as our services are contracted, our verification and dispute team will begin working on all accounts which contain incorrect information. The Federal Fair Credit Reporting Act states that any information that is inaccurate, erroneous, or obsolete MUST be deleted PERMANENTLY. Soon after our work begins, you will begin receiving letters from the credit bureaus and collection companies with each round of results. You will then continually need to provide us with all of the original copies of any correspondence you receive. Typical results come in as quickly as 45-90 days, but we will continue to work on your reports for up to 180 days as required by law.
Fourth
You will then receive the results of the initial services from the credit reporting and collections agencies. You will see that some of the items have been deleted, updated, and/or marked "paid as agreed ". Again, we stress the importance of immediately sending us the original results you receive from any of the three major credit-reporting agencies or collection companies. We suggest you make a photocopy of all documents for your own records. We will continually keep you informed about the progress of your account and how to read the results. We will also keep the mortgage company and/or referral source that initially sent you to us well informed about your credit progress.
OUR PROMISE TO YOU:
Our work is permanent and if an original item was to ever reappear, which is highly unlikely, we will again challenge and dispute the item at no additional cost to the client.
