We start our process off by ordering in all of your bureaus from Equifax, Experian and Trans Union reporting agencies. We order them at no extra charge and in a manner not to lower any of your scores on them. Your bureaus will arrive in about 10 days to the address you supplied to us during your enrollment. It is very important that when you receive your hard copies of these bureaus you send them to us by fax, email or through the U.S. Postal Service. 90% of the time we will be able to electronically access one or more of your bureaus from Equifax, Experian or Trans Union. This will enable us to begin investigating items reporting on at least one of the electronic bureaus the very same day you sign up. We do this for two reasons to get a complete understanding of your exact problems reporting on your bureaus. We start your same day investigations in order to get you positive results in the quickest time frame possible. Since we order direct from Equifax, Experian and Trans Union reporting agencies it will not to lower your scores in any way. No other company in our industry will do this simply because they are using a generic computer programs that send out generic responses to common problems. Within minutes we will have an electronic copy of all your bureaus from Equifax, Experian and Trans Union reporting agency's. Your credit bureaus are then put through a full audit and analysis to identify and correct what it is lowering your scores.
Our company maintains a three level screening processes before any investigation of a negative item is sent out on any clients behalf. The first level is written up by your personal case manager that has a full understanding of your unique case and will work with you on a case by case basis. They will begin by investigating each negative item reporting on your bureaus for inaccuracies, unverifiable or out dated information on each report from Equifax, Experian and Trans Union. Your personal case manager will then pinpoint your problems areas that are responsible for lowering your scores and then he or she will turn their finding over to a tier two certified credit expert and they will begin drafting your investigation documents not just for "verification", but for validation, proof of a debt, and contractual obligation. Once your investigation are ready to be sent out they will be passed to a tier three management for a final approval before being sent out on your behalf.
Once Equifax, Experian or Trans Union receives these documents they will be forced to contact whoever is responsible for reporting the negative information to them. After the reasonable party is notified and held accountable for their documentation they must be willing and able to comply with the laws and timelines mandated by the FCRA, the FACTA, HIPAA and the FDCPA. If they can't produce enough evidence in the form of a contractual obligation, validation and proof of a debt our company will send out a request to Equifax, Experian and Trans Union requesting them to remove the negative item reporting on your file. Our professional service goes further than just disputing an item for "verification" we demand they comply with the laws and timelines mandated by the FCRA, the FACTA, HIPAA and the FDCPA.
Using loop holes that were created by these laws we are very successful in removing negative, inaccurate or unverifiable items from Equifax, Experian and Trans Union files. Each month we are responsible for removing tens of thousands of negative item from our client's bureaus. Every 30 to 45 days you will receive new updates showing you the changes deletions and improvements to your bureaus. Your case manger is here to answer any questions you might have during your enrollment in our program. We also back up our work with the best money back Guarantee in the industry. If we aren't successful in removing updating or deleting negative information from your bureaus during any month, that month will be FREE.
There is no need to login to your account or do your own work. We believe your situation is as unique as you are and no generic Law Firm's computer program can possibly take your unique situation into consideration. So sit back and let the professionals do all the work for you.
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