Step 1: Initial Credit Report and consultation

After signing up, our Welcome Kit will be issued to you by mail. Please fill out all documents and return signed items to us. We will then contact you for our first initial credit education consultation. During this call we will order all 3 bureaus Credit Reports and import all negative items into our database.

You have to pay a $250.00 processing fee to process the paperwork.

We will need copies of your Driver’s License, State ID, and Social Security Card (W2 or a letter from the Social Security Office with your number and their stamp from them if you don’t have a Social Security Card is acceptable). 

All customers are required to sign up with Identity IQ. Which is a company that will monitor all three credit bureaus and is connected with our company. In other words, you will have your own portal. They will furnish you with their (Equifax, TransUnion, and Experian) credit reports and credit scores.

We noticed that customers like to know what’s going on with their credit. With IDIQ you can see all three credit reports at any given time. You will receive alerts if anything has changed on your report. Also, it has other benefits that would be to your pleasing.

There is a fee of $1.00 to see how it works and then it’s only $27.99 per month.

Meanwhile, we will send you a Welcome Package. Your package will have everything that’s required for you to continue the sign up process.

Step 2: We go to work

Once we receive your credit report login we will start the credit repair process, drawing upon our vast arsenal of credit report repair strategies to challenge questionable items directly with the credit bureaus. Depending on the number of questionable items on your credit reports, this step will be repeated for each subsequent cycle. While we are disputing your items you should receive updated reports from the credit bureaus. It is important to forward each updated report to us so we can track which questionable items were deleted.

Once you’ve returned your signed papers, we will begin the process. You will usually see the results after we freeze some other credit bureaus and other procedures we have to do before we can go after repairing your credit. After that’s done within 30 – 45 days.

Step 3: We get the results

The credit bureaus by law have 30 days to investigate your dispute. After that, they must inform you of their results and send you a copy of your updated report. It usually takes 60 days from the day we send a dispute to the day you receive an updated report. When you receive a response from a bureau, make a copy of the updated report for your records then send the original to us. With this information we will update your account and send you a new email with your progress. These progress reports will be delivered to your e-mail every other week. This 3 step cycle sometimes needs to be executed multiple times until the questionable items have been removed and as each new cycle begins, hopefully there will be less questionable items on your credit reports.

Important:

You will need to make copies of any reports that were not sent from us (need to start a file) and mail or email (pdf form) us the originals of all your papers. 

If it didn’t come off at once, all hope is not gone. We have other ways of attacking it. Patience is a virtue, remember we don’t get paid if it doesn’t come off at that time, we get paid when they come off.

We will continue the process until everything has been removed or until your anniversary date.