First, fill out the OnBoarding Form and Credit Report Questionnaire. This way, our firm can collect your contact information and understand what is on your Credit Report.

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When our Firm assists you with your Credit Report to remove negative and derogatory information, we like to allow 4 or 5 days for all of the Creditors, Credit Bureaus, Secondary Bureaus and Data Furnishers to update the information that has been removed in their Internal System. That way, we can ensure there will be no hiccups or speed bumps when assisting you with your funding. In some cases, it may show that the negative information has been removed from your Credit Report. But, a Creditor or Data Furnisher may take a few days to update the information in their internal system.

Although we cannot give you an exact date when the information will be removed, we can assure that the Credit Bureaus have 30-45 days to review the information.

Yes! When you login to your Experian, Equifax, or TransUnion account and go to your notification center. It will display the exact date the review process will be completed.

No! Even though the submitted information comes back Verified and Updated, it does not mean it cannot be

removed. Since we upload all documentation electronically, our firm can see your results in real time. If

the information is verified and updated, our firm will incorporate additional strategies to remove the account or derogatory information from your credit report.

No! In most cases, the Collection Agency cannot verify you are the individual that they have contacted even if you answer the phone. Even If you have validated the debt and taken responsibility. If you have validated a debt or assumed responsibility, don't hesitate to get in touch with Our Firm.

Mailing information to the three major Credit Bureaus takes an extensive amount of time. To save time and provide you with faster results, Our Firm Uploads all of the documentation used to remove negative information from your report directly through Metro 2 and E-Oscar. An online software service used by the three major Credit Bureaus to communicate with Creditors, Secondary Data Furnishers, and Collection Agencies. By submitting directly through Experian, Equifax, and TransUnions portal, we can cut out 7, 8, or even 9 days out of the 30-45 day review process.

The three major Credit Bureaus have 30-45 days to review the information that is uploaded electronically under the FCRA and FDCPA. In most cases, the review process takes approx. 30 days. However, the three major Credit Bureaus are allowed an additional 15 days to perform an re-investigation of information.

The FCRA (Fair Credit Reporting Act) Is a government regulation and set of laws that mandates and regulates all Credit Bureaus, Secondary Data Furnishers, Creditors and Collection Agencies. The FCRA outlines the laws and regulations that must be followed to comply with your rights as a Consumer. The FDCA (Fair Debt Collection Practices Act) is a government regulation that mandates and regulates all Collection Agencies. The FDCPA outlines how Debt Collection Agencies must contact you and how your information must be reported on your Credit Report.

If you find that your rights have been violated as a consumer, you have the right to seek arbitration. Please contact Our Firm if you believe your rights have been violated.