The
process we use to help increase your credit scores
has been
developed and
refined over years of experience in this industry.
Basically, to remove negative information from your
reports we work in 30 day “cycles” (as
allowed by law), while simultaneously helping you add
positive information using a number of proven and time
tested methods. The following is an overview of what
will take place to help increase your credit scores
to an “approvable level”.
STEP 1.Order
Credit Reports. With your authorization
we obtain a copy of your credit reports ordered directly
from the 3 Major Credit Bureaus (also called Credit
Reporting Agencies or CRA’s). When you receive
the reports all you have to do is mail us the original
copies.
STEP 2.Credit
Reports Analysis. Each credit file
is different and unique. Upon initial receipt of
your files, we perform an analysis of your specific
report and calculate relevant factors such as your
Debt to Credit Ratio, High Credit Limit and other
factors which affect your credit score.
STEP 3.Verification
Process. Our first 30 day cycle
is a Verification Process directed at the 3 Major
Credit Reporting Agencies. You will receive an updated
report approximately 30 days later showing the positive
changes made to your report. Simply mail these reports
to us and we will enter our 2nd cycle.
STEP 4.Validation
Process. The second 30 day cycle
involves a Validation Process which is directed at
the actual Creditors. The process is perfectly legal
and follows the laws of the Fair Debt Collection
Practices Act.
STEP 5.Education. We help to educate you on the
major factors used in the calculation of your credit
score. It is imperative for your long term credit
worthiness to understand the basics of the complex “algorithm” or
mathematical model that is used to calculate your
credit score.
