ABOUT US

WHAT WORKS IN CREDIT REPAIR

1) Factual Verication under FCRA Section 611 Overview of 611

 

The Factual Verification Process starts with the filing of an attorney drafted dispute with each credit bureau using all required language under the FCRA to ensure complete compliance by the credit bureaus and proper verification of information furnished by creditors.

Using the correct language ensures that the credit bureaus and creditors are legally put on notice that you have:

• 1) Disputed the validity of the information.

• 2) Assured the bureaus and creditors that your dispute is not frivolous, irrelevant, or without merit; and

• 3) Have demanded that the bureaus and creditors produce a description of the procedure used to come to their conclusion under FCRA 611(B)(iii).

This process will take 30 days from the date your initial dispute is filled with the credit bureaus. They will then mail you an updated credit report, where some accounts will be deleted and some will be verified. The report should include details on the process used to come to that conclusion.

At this point, we will file separate charges with the Federal Trade Commission and Bureau of Financial Protection against each Credit Bureau and each individual creditor. For instance, if you have 10 creditors, that would result is 13 separate charges that we file on your behalf against the credit bureaus and creditors for failure to produce a sufficient procedure used to verify the account or failure to produce any description of the procedure used to verify the account.

At this step in the process, the creditor has 15 days only to respond or remove the negative items from your credit report otherwise they will be assessed and levied fines for noncompliance with the FCRA.

This procedure relies on using the required legal language drafted by our attorneys and then holding the creditors and credit bureaus feet to the fire by filing appropriate charges and providing the requisite evidence that the credit bureaus and creditors had noticed but were negligent in following the law.

​

2) Legal Demand via Attorney
 

Requesting All Paperwork & Reviewed for Violations via Licensed Attorney & Immediate Request for Removal for errors & Permanent Removals. Items are immediately removed for violations.

​

3) FDCPA (Fair Debt Collections Practices Act)
 

This method is to request verification of the Debt or request form. Allow a licensed attorney to review for violations and earn up to $1000 per Creditor.

​

4) Credit Blocking Method under 605B for Victims of Identity Theft

​

Overview of 605B: The Credit Blocking Method is Federal relief provided for victims of identity theft and is governed by FCRA Section 605B.

If you are a victim of Identity Theft and accounts have opened on your credit report from the actions of an unauthorized 3rd party then we can help you file an Identity Theft claim. The Credit Blocking Process starts with the filing of an Identity Theft Affidavit and a Police Report with you local police prescient.

Then we file the following documents with the credit bureaus to have the accounts permanently blocked by the credit bureaus.

• 1) Proof of identity of the victim

• 2) A properly completed Identity Theft Affidavit and Complaint

• 3) An Identity Theft Police Report provided to us by the victim

• 4) A notarized statement assuring the credit bureaus that the ID theft claim is not filed in error, contains any material misrepresentation of facts, or that victim benefited from the transaction.

If you are a victim of identity theft and can provide us with a police report about the incident we can help you with cleaning and repairing your credit report.

​

5) Debt Settlement: With & Without Deletions & With or Without Attorneys
 

Our Debt Settlement Services are used if an item is not able to be Deleted via Credit Repair or Violations etc. We can use Law Firms to
do Debt Settlement for some Items, others are Not Necessary. Attorney’s Fees for Debt Settlement are Separate if you wish to consult
with some of them we use for Debt Settlement.
Our Pricing includes Debt Settlement Fees if you Signed Up After August 23rd, 2020.
Attorney Debt Settlement Fees are a Separate Service Fee if an Item with Debt Must be Settled, and we recommend some Law Firms
to do this if necessary. All our clients receive a discount on their Flat Fee Debt Settlement Services for Referral