01

Comprehensive Credit Analysis

We begin with a thorough analysis of your credit reports to identify errors, inaccuracies, and negative items. Our team will meticulously comb through your reports, identifying any issues that could be negatively impacting your score.

02

Strategic Dispute Resolution

Once we've pinpointed inaccuracies, we engage in a targeted dispute resolution process. Our team aggressively challenges erroneous entries by removing collection accounts and late payments. We utilize the Consumer Financial Protection Bureau (CFPB) guidelines and consumer protection laws, contacting all three major credit bureaus both in writing and over the phone to ensure corrections are made promptly.

03

Specialized Removals and Inquiries Handling

In addition to removing collections and late payments, we address more complex issues such as Late Payment Removals, Charge-Off Removals, and Collections Removals. We also handle inquiry removals with care and precision. Given their low impact on your score and potential complications, we focus on strategically removing only those inquiries that are fraudulent and detrimental to your credit.

Note: The inquiry removal process requires careful attention,. We ensure each step is taken with care to avoid unnecessary account freezes or account investigations.

04

Advanced Protection and Advocacy

If necessary, we implement personal information freezes or blocks with third-party reporting agencies, including Advanced Resolution Services, Core Logic, Lexis Nexis, Sage Stream, Chex Systems, and Innovis. We also advocate on your behalf with agencies such as the Better Business Bureau (BBB), Federal Trade Commission (FTC), and Attorney General when required. Our comprehensive approach ensures that your credit integrity is protected and your rights are enforced.