The initial (Free) consultation gives us a chance to figure how we can help you meet your needs and analyze your credit file from all 3 bureaus to assess all items that currently hinder your scores. The next step is for our credit experts to create a personalized plan of action that fits your situation and goals. Once you get enrolled, you will get secured login information to our client portal so that you can track your progress and credit score increase.

Our 5-Step Proven Process

Our experienced team of credit experts use a proven process to remove negative items while offering you full transparency with our client portal so you can check your progress online 24 hours a day, 7 days a week.


We perform a thorough analysis and blueprint of your credit report and identify any accounts that may be negatively affecting your credit scores. We also explain how our process works and why it’s so successful.


Upon enrolling in our program, you will have the opportunity to get your credit files for just a $1 (7 Day Trial) while enjoying access to the industry leading credit monitoring service including identity fraud protection, score iq (determines how your credit gets impacted by different actions), and opt-out feature which prevents creditors from taking unnecessary looks at your personal information behind the scenes without your knowledge as well as putting a stop to the majority of junk mail your receive. Then, our credit experts setup a custom tailored plan of action which highlights negative items and inaccuracies to target and help you identify, if needed, which secured credit cards to obtain that will help re-establish positive trade lines, ultimately increasing your scores.  To keep track of the progress on your case and have full transparency of our work, you will be setup with your personal secured login to our client portal which gives you online access 24/7.


We inform creditors of the specific violations they have committed and which regulation from the consumer acts they did not abide by when adding the item(s) to your files. This step is crucial as it alerts the creditors that you are under the professional guidance of Consumer Law and Acts which encourages them not to verify any negative or inaccurate information with the bureaus and to remove any erroneous items right away. Further, this will deter them and collection agencies from contacting you directly and harassing you any longer. Creditors rarely refuse to comply once notified of their violations. However, when they don’t we proceed to contact the bureaus directly to open investigations.


Often, the items aren’t removed from your report following the first attempt and may take an additional 3 to 4 attempts. In this case, when negative marks remain on your file after the first try, we utilize different strategies while still highlighting again the laws they have to follow. Within the next few attempts, creditors may send you a letter directly apologizing and agreeing to have the bureaus remove the items from your file. Another scenario would be that the creditors do not respond at all and just comply with our demands by allowing the bureaus to remove the items without contesting them since they do not want to face a possible lawsuit. Therefore by default, the negative items are removed permanently. In some rare instances, if an item can not be removed from your file our team of negotiators will intervene to reduce the debt to pennies on the dollar while attempting to obtain a deletion letter for the negative item.


Your score is up! Negative items have been removed permanently, the nasty calls from collection agencies stop and your credit scores have increased dramatically. Our team will now perform an analysis of your remaining financial obligation and help you identify opportunities to save hundreds and sometimes thousand of dollars by refinancing and reducing your interest rates. Our goal is to enrich you with the information and knowledge you need to keep your interests down and enjoy a healthy credit profile in the future so you can qualify for home, car, business, student, or any kind of loans and credit cards, ultimately qualifying and paying less for everything you may finance.

Investigative Process

The Process Outlined

The following will give you an explanation of how an investigation is transferred into a result code:

We investigate with the CRA

Our process is very similar to the one followed by attorneys as we study reports to identify negative items and their “weaknesses” and credit laws that protect consumers. The second part to improving scores is to identify opportunities as a lot of consumers do not have enough “open trade lines” to decrease their credit factor risk while increasing their credit worthiness by managing their available credit responsibly meaning keeping their utilization under 30%, making payments on time, etc.

In other words, our team of credit law experts analyzes each client credit reports to assess each negative items, the verbiage used and most importantly, which of the laws from consumer acts were not followed. Most of the time, creditors do not abide by the 72+ laws that have to be followed to validate a debt which makes it vulnerable to educated consumers, credit repair companies like ours and attorneys. once that process is completed, we communicate the infraction to creditors and threaten them with legal actions as each violation can amount to a minimum of $100,000. In most cases, creditors back off and the negative items are removed legally and permanently leverage credit laws.

When you dispute with the CRA they are required to perform an investigation. If the CRA does not resolve the dispute itself, they must provide notice of the dispute to the data furnisher (the entity that reported the information).

How the CRA conveys the dispute to the Furnisher

When we launch an investigation with the CRA , we include general information about our customer such as the name of the account we are disputing, the account number relating to the disputed information, the reason for the dispute, and certain identifying information (e.g., date of birth, social security number, and current address).

A CRA employee typically fills out a consumer dispute verification (“CDV”) form based on information in the investigation letter. The CRA either sends the CDV to the furnisher via mail, fax, or electronically in the form of an Automated Consumer Dispute Verification (“ACDV”).

The Credit Reporting Industry’s Electronic Dispute Processing System

The credit reporting industry’s electronic disputing system is known as e-Oscar. The system is web-based and allows CRA’s and Furnishers to transmit information back and forth in regards to disputes. CRA employees select dispute codes from a list of 27 such as “Claims account closed” or “Claims company will delete”

In a FTC report to congress, the CDIA cited:

“CDIA provided the full list of codes to the FTC and the Board but declined to release the list for use in this report, citing concerns that the codes are confidential and that credit repair organizations would misuse their knowledge of the dispute codes.”

For your education, the full list of dispute codes in provided below.

Problems with Dispute Codes

The biggest problem with dispute codes is that they do not provide all the relevant information. The FCRA requires the CRA to include “all relevant information regarding the dispute that the agency has received from the consumer.”  This does not happen when the dispute letter is translated into a code.

Also, not all disputes translate into a code. This causes CRA employees to select “catch-all” codes such as “Not his/hers” or “Claims inaccurate information.”

In conclusion, you should be aware that an investigation letter will be translated into a numerical code.

Disputes Codes

1Not his/hers
2Belongs to another individual with name/similar name
6Not aware of collection
8Late due to change of address – never received statement
10Settlement or partial payments accepted
14Claims paid before collection status
15Credit Limit and/or High Credit amount incorrect
19Included in the bankruptcy of another person
23Claims account closed
24Claims account closed by consumer
31Contract cancelled or rescinded
37Account included in bankruptcy
39Insurance claim delayed
40Account involved in litigation
101Consumer not liable for account ( i.e. ex-spouse, business)
102Account reaffirmed or not included in bankruptcy
103Consumer claims true identity fraud/account fraudulently opened
104Consumer claims account take-over, fraudulent charges made on account
105Disputes Dates of Last Payment/Opened/or First Delinquency/Billing/Closed
106Disputers present/previous Account Status, History
107Special Comment/Compliance, Condition, Code/narrative remarks
108Account Type or Terms Duration/Terms Frequency or Portfolio Type disputed
109Disputes Amount
110Claims company will change
111Claims company will delete
112Claims Inaccurate information.  Did not provide specific dispute
704Attn:Fraud Dept: Item blocked per valid copy of police report


Dispute Results

Responses Conveyed to the CRAs

After an investigation letter is received, the credit bureaus will forward the information to the data furnisher (the company that reported the information to the credit bureaus in the first place). The data furnisher will conduct an investigation and respond to the credit bureaus with their results. The following is a list of responses:

Account information accurate as of date reported
Modify account information as indicated (They send a form back telling the CRA what to change/update.)
Delete account (This indicates to delete the account from the CRAs database. In this case, the account is no longer reported for that consumer by that CRA.)
Misrouted ACDV, please re-route   (The dispute does not belong to the data furnisher or the CRA sent it to the wrong company.)
Delete due to fraud

Responses Conveyed to a Consumer

When the investigation is complete,the credit reporting agency and/or data furnisher must provide our customer with the written results or a free copy of the credit report if the dispute results in any changes.

Dispute results will first arrive to the client’s home. However, interpreting the results can sometimes be tricky. Especially for the common results “Data modified per data furnisher’s instructions.” Is that a positive or negative response? The chart below will help you interpret the results.

Account Updated – Negative Info RemovedRepaired
Data modified per data furnisher’s instructionsNegative
Verified- No changeNegative
Account Updated – No ChangeNegative
Verified that this item belongs to youNegative
Account RemainsNegative
Re-investigation in progressNegative
No ResponseNegative
Account Updated – Late payment RemovedRepaired
Account Updated – New Negative InformationNegative
Account updated- new information provided by credit grantorNegative
Account no longer exists on credit fileDeleted
Account is not currently reporting on credit fileDeleted
New Information belowNegative
The disputed account is not reportingDeleted
This account has been updated to show included in bankruptcyRepaired