How It Works

Since no two credit reports are alike, our dispute process is designed and tailored to meet your credit repair needs. Our friendly credit specialists are real people who understand you have a credit/financial goal to reach.

 

Getting started is as easy as 1-2-3-4

Since no two credit reports are alike, our dispute process is designed and tailored to meet your credit repair needs. Our friendly credit specialists are real people who understand you have a credit/financial goal to reach.

Getting started is as easy as 1-2-3-4

Call To Schedule Your 1-on-1 Consultation

Give us a call and schedule a 1-on-1 consultation with one of our friendly credit specialist where you will have the opportunity to learn and understand your current credit situation.

Pull Your Tri-Merge Credit Report

Once you meet with our credit specialist, we instantly pull your tri-merge credit report. Our friendly credit specialist will help you identify any inaccurate items that are affecting your credit report and scores.

Create A Tailored Plan

After analyzing your credit report and identifying the negative items that are indeed affecting your credit report, our friendly specialist will create customized and tailored dispute plan which will include disputing your negative items with each major credit bureau, original creditors and collection companies as well.

Sit Back and Relax

You will begin to see your results arrive within the first 30-45 days.

Call Us or Have Us Call You!

Get the process started today!

Call us or have us call you to get the process started TODAY!

Contact Us: 562-776-1451

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Consumer Credit File Rights Under State and Federal Law

Read about your credit file rights.

You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any credit repair company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years.

You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud.

You have a right to sue a credit repair organization that violates the Credit Repair Organization Act. This law prohibits deceptive practices by credit repair organizations.

You have the right to cancel your contract with any credit repair organization for any reason within five days from the date you signed it.

Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur.

You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau.

The Federal Trade Commission regulates credit bureaus and credit repair organizations. For more information contact:

  • The Public Reference Branch
  • Federal Trade Commission
  • Washington, D.C. 20580

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