Did you know that closing an account doesn’t make it go away? It may remain on your report even after it is closed and factor into your credit score.
We demand validation and verification of derogatory information using the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, the Fair and Accurate Credit Transaction Act and the Health Insurance Portability and Accountability Act.
These four laws have been established to protect consumers’ credit reports. Creditors and credit bureaus are legally obligated to produce documented evidence within a reasonable amount of time, generally 30 days, to back the claims they make.
If they cannot validate their claims, they must promptly remove any undocumented information from the consumer’s credit report.
CREDIT REPORT EVALUATION Your credit consultant will look at your TransUnion, Experion and Equifax credit reports and go over them with you line by line. (If you don’t have your current reports we can pull them instantly for you.)
CUSTOMIZED CREDIT REPAIR PLAN If you decide that you would like to proceed with our program, your credit consultant will put together a plan of attack to get your negative and incorrect items removed from your credit reports in accordance with the FCRA, HIPAA, FCBA and other consumer laws.
VIEW YOUR PROGRESS ONLINE You can monitor our efforts and success on our website. You will be provided a client login and pin code. You will also have access to our credit education programs and webinars. You can rest assured knowing that everything possible will be done to help you reach your credit goals.
ENJOY YOUR RESULTS We will continue to challenge any negative items on your credit report for the term of the contract. We will issue a refund on any account not deleted or amended.