| 1. |
Bring in
your Identification:
|
Driver's License and
Social Security Card.
Note: If your Driver's License shows a
PO Box or if the address is not current bring a utility bill
with your current
address.
|
|
| 1. |
Sign
Agreement:
|
Credit Repair Service Agreement
|
1
Day |
| 2. |
Fee Paid:
|
Credit Report Cost & Deposit for Credit Repair Counseling
|
2 Days |
| 3. |
Review:
|
Credit Counselor Reviews Credit Report once it is received & Action Plan is Developed
|
1
Day |
| 4. |
Dispute Begins:
|
Negative Credit Items Verification letters created & sent and
Negative Credit Items Validation letters completed & sent
The Credit Dispute Begins on your behalf based on the Fair Credit Reporting Act (FCRA)
|
2 Days |
| 5. |
Responses: Received
|
Credit Bureaus, Creditors and Collectors Letter Responses received by client (you) and brought to Credit Counselor for review
|
45 Days |
| 6. |
Credit Items disputed and removed:
|
On average, approximately 10 items are removed in 3 months, 13 items are removed in 6 months and so on.
|
30 Days |
