Credit Repair Resources works hard to make the credit dispute process easy, seamless and effective for our clients. We use our knowledge of the Fair Credit Reporting Act, the Fair Credit Billing Act and Fair Debt Collection Practices Act, as well as other applicable Federal statutes to maximize your results. Our programs require no start up costs and the process is simple.

Below you will find a step by step guide to working with Credit Repair Resources. It is important that you understand what we do, how we do it and what you can do to maximize your investment. Credit Repair Resources is committed to improving our client’s credit profiles. We need your help to get it their quickly and keep it that way!

Enrollment:

Our website is specifically designed to be straight forward and user friendly. Once you have chosen a program and entered your information, the only thing you have to do is forward us a copy of your credit for evaluation.

Evaluation, Setup and Credit Aquisition

Credit Repair Resources has to evaluate your credit report in order to ensure you are potential client for our services. A tri-merge credit report is available from many sources. If you are currently working with a loan officer or financial institution, you can sign our authorization form and we can review theirs to avoid additional inquiries.

If you are working independently your credit is easily obtainable from multiple sources. We recommend obtaining your bureau directly from www.truecredit.com or www.myfico.com. These companies have accurate detailed reports that are easily understood.

Credit Repair Resources must wait a 3 day cancellation period before we can start your file. As you know Credit Repair Resources operates in full compliance of all state and federal laws. After 72 hours you will be contacted by one of our specialists to have your personal profile created.

After your file is set up and your first round of dispute is complete, we will take payment and mail your package. Please sign these letters and forward them in the self addressed stamped envelopes provided immediately.

Initial Challenge period 14-30 days

Credit Repair Resources will draft challenge letters to all three credit agencies. We know exactly what can be disputed and how the letters should be drafted. This is a critical part of the process. Knowledge and experience are the primary reasons to use Credit Repair Resources.

All three credit agencies have 30 days to respond to your inquiries. As you receive these responses is very important to forward them to the staff at Credit Repair Resources. We need them in order to asses the next course of action.

Round 2 14-30 days

Once we receive your results, any items we still need to challenge will receive another round of dispute not only to the three agencies, but we will also challenge the creditors direct.

Round 3 14-30 days

If round 2 does not achieve the desired results and Credit Repair Resources feels there are still items to challenge, a third round of letters will be mailed out from our legal counsel and drafted as attorney acting on your behalf.

Cancellation:

You can cancel our services at any time. There is no contract or cancelation fee. Please notify us in writing or email within 24 hours of the last day of each 30 cycle starting from the third day of your initial cancelation period.

During the repair cycle, it is vital to pay all bills on time and please refrain from taking on any new debt if at all possible. Doing so can reduce the benefit of your investment in our services. We actually encourage reducing any debt if at all possible. Lowering your credit card and loan balances can and will assist on your repair process.

Remember, lasting good credit requires diligence to keep your profile free from derogatory credit and high balances on revolving debt. Let the Credit Repair Resources program give you the head start you need.

Still have questions? Call or Email now!