Our service uses targeted disputes based upon the Fair
Credit Reporting Act in an effort to delete the questionable negative
information from your credit reports. We also
incorporate strategies based on other consumer protection statutes as
well. These statutes include the Federal Fair Credit Billing
Act, which gives you the right to request extensive information regarding
billing and account history; the Truth
in Lending Act, which stipulates conditions for establishing credit
accounts; and the Fair Debt Collection Practices Act, which defines
your rights regarding accounts that have passed into collection status.
Unfortunately, the credit bureaus do not provide information about how the debt
was verified or why. Essentially, that is the purpose of our disputes. We
dispute over and over again, and in this process we are hounding them to
investigate/verify and re-investigate the negative items. Then, we want them
to provide us with information on how
they were verified, including when and with whom it was verified.
They will sometimes send you Dispute Status letters, which
are letters requesting proof of identity/proof of address etc. They may even
send suspicious response letters. These
are all common stall tactics used by the bureaus to buy more time until
they may actually provide a report with Investigation Results and account
information. This is done to discourage you from continuing the dispute
Unfortunately, these strategies work on many people. However
we are not fazed by those tactics and they are easily overcome by being
While no one in the credit restoration industry can legally
predict or promise a specific outcome, we do promise to do everything possible
to maximize the probability of outstanding results.
Why are my credit scores on the credit monitoring site different from the scores that were on my credit report from the mortgage company The credit scores we provide are a consumer credit score and not your true Fico Score. You can get your true Fico score at myfico.com. The type of report a dealership or mortgage company would use is a lending report. This report uses has a different algorithm than either a credit monitoring site or the credit bureaus. Consumer reports are not used for lending purposes. Instead, they only provide a general idea of your credit worthiness and help you monitor the progress of your credit being repaired.
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