In order to successfully repair your credit we need you to follow and adhere to certain rules.
First and most important:
When you receive any correspondence or updates related to the accounts in dispute, send it to us as soon as possible. We will need it to continue our work.
Remember, we are disputing various aspects of your profile and demanding creditors to prove they have complied with over three hundred different rules and regulations. We will need to know where each creditor stands after the initial dispute letters have been served upon them.
We also ask all of our clients to refrain from applying for new credit while they are going through this process. Let us do our work without interruption. Be patient. The process takes anywhere between 45 business days and 6 months.
Never answer collection letters or calls without informing us. It will be better if you forward those letters to us.
If you receive collection calls it would be advisable to keep a written log of those calls. Include the collection agency name, complete address, date and time, the name of the person who called and the content of the conversation.
Under the FDCPA they must provide all of this information if you ask. If you have those logs and you send them to us, we might find FDCPA violations and use them to negotiate with the agency.
As soon as they start to receive our letters they will attempt to contact you. They think they have a better chance to collect because you are now trying to restore your credit. Collectors will also send letters to update your current personal information with them.
Here is the list of items we will need from you to begin the process
Social Security Verification
As required by the credit reporting agencies, you must send us via US Mail or Email one of the following forms of verification:
- • Photocopy of your Social Security Card (Preferred)
- • Photocopy of your pay stub displaying your full social security number
- • Photocopy of your W-2
Current Picture I.D.
One of the following:
- • Photocopy of your driver’s license.
- • Photocopy of your State I.D.
- • Photocopy of your Passport.
Photocopy of any of the following with your name and address clearly printed:
- • Any utility, electrical, water statement.
- • Telephone .
- • Credit card or bank statement.
You can go online and obtain your three initial credit reports from Equifax, Experian and TransUnion. To obtain your free annual Credit Reports Disclosure, please click here.
Once you have the credit report on your screen, you can print it or save it as a pdf file. It is best to save the report so you can email it to us as an attachment.
To monitor our progress during the credit restoration process, we recommend you click here. It is $16.95/month for a refresh of all three credit reports & scores every 30 days. Many other benefits are provided by this membership.