A credit report is a track record of your personal and financial credit information. This includes information taken from public records, personal identification, and debt information.
There are 3 major credit bureaus: Equifax, TransUnion, and Experian.
We guarantee that all items from all credit bureaus that you want us to dispute will be disputed to the best of our ability.
You will have access 24/7 to a live progress report detailing the items pending/deleted. Please contact us if you are not receiving these notices.
By law, our credit restoration company is unable to order a copy of your credit report. Since we can not pull your credit for you, we ask you to sign up for a trial membership with www.creditchecktotal.com. We will then be able to import all the details of your report into our secure computer system.
Unfortunately, the credit reporting system just doesn’t work that way. When you pay your debt, the negative credit listing doesn’t disappear. There is little difference between a paid negative item on your credit report, or an unpaid one. In most cases, you won’t get much further by paying the old debt. We can recommend a debt negotiation (often a non-profit organization) service to help you in that situation…simply ask your representative.
Our credit service specialists are the only ones who will see your credit reports.
Once we have your credit reports, we dispute the questionable items to the credit reporting agencies and creditors/lenders on your behalf. Any information the agencies or creditors cannot verify is to be removed. Any dispute not responded to within the allowed response time is to be removed.
Probably sounds easy, but if you ask someone who has attempted to dispute their own credit, they will tell you it’s not. According to federal law, the credit agencies can ignore your dispute under a variety of conditions. A large percentage of dispute letters sent directly from consumers are rejected under one credit agency pretext or another, making it a very time-consuming and frustrating task.
After we dispute your negative credit, a new copy of your credit report will be sent to your address showing any deletions or improvements. You will often know the changes prior to receiving mail via your KeyPoint progress portal.
Any accurate and verifiable information will remain on the credit report. All too often, disputed credit items cannot be verified, or in many instances, the creditor will not respond to our dispute due to our approach, and the negative item is removed.
Every client is different, but generally you can expect to start seeing some progress in 1-3 months and a significant improvement in 6 months. Credit repair is a process, and although we work quickly to repair your credit, we can only move at the pace of credit reporting agencies, court houses, and creditors.
The Fair Credit Reporting Act (FCRA) and the Federal Advisory Committee Act (FACA) give the consumer the right to ask the credit bureaus to prove their reports, regardless of being accurate or not. Disputing your credit report is your right according to the Fair Credit Reporting Act and Fair and Accurate Credit Transactions (FACT) act. Credit repair is a completely legal and necessary service. We hold the credit reporting agencies accountable. Simple as that. Whether the bureaus decide to investigate is their issue; the law states that they have to remove the items if they can not prove them. The credit bureaus admit that errors occur on consumer reports, but they do little to correct them. Instead, they rely on a proactive consumer to dispute these errors. You can dispute these negative items on your own, or you can choose to hire someone to do the disputing for you. Learn more about your rights as a consumer here.