The stages of a credit repair program typical evolve as follows.

The Interview

Once your chosen company receives copies of your credit reports, they will then set up an interview. This can happen before or after the client is contacted and asked to supply some additional information. Once this information is collected, a credit counselor reviews the information and contacts you if any further information is required. The goal of this step is to enable your credit counselor to fully and completely understand your current credit situation, credit history, short and long term credit goals, and any specific concerns you may have. The counselor then walks you through understanding what your current credit scores mean, and suggests methods to quickly improve these scores, including paying or closing accounts and other tips to help your individual credit situation. At this point, an outline and individual credit restoration plan is set up, including time lines, to ensure that any questions or concerns you may have are addressed.

Targeted Documentation

The next step in a repair program includes starting on the drafting of unique documents, designed to address your credit restoration requirements. These should not simply be form letters, but instead should be written exactly according to your personal requirements. These documents are then sent to the necessary collections agencies, creditors, public record providers or courthouses, and credit reporting agencies as determined by your credit repair needs. A thorough credit repair service will not only dispute negative accounts using form letters, but will be tailored to your precise requirements. The next move is to contact the 'furnisher of information' directly through Lawful Notice, demanding a comprehensive response within 30 days, as required by law. All documents are typically sent on your behalf using facsimile, email, internet or regular mail, depending on the most timely and effective method to communicate with the entity in question.

In-depth knowledge of the Fair Credit Reporting Act, Consumer Credit Reporting Reform Act, Fair Debt Collections Practice Act, and the Consumer Reporting Employment Clarification Act, coupled with years of extensive experience and proven techniques, can be the answer to permanently removing inaccurate, negative, incomplete and unverifiable information from your credit reports. These include collections accounts, charge offs, bankruptcies, judgments, foreclosures, repos, student loans, slow pays, and tax liens.

Tracking Results

Tracking results is usually possible through instant online access to the client's account, so that along with company employees, client's themselves are able to monitor the deletions and corrections of all inaccurate, negative, incomplete or unverifiable information contained in their credit reports. Online results tracking lets a client watch their account to monitor what progress is being made. Every client account should have online access to results, including all related details about the progress of the account and what has been removed or updated. Sometimes, if the company deems it in the client's best interests, they will recommend the settlement of recent, unpaid accounts. In addition, negotiations are often undertaken with those creditors a client decides to make settlements arrangements with, usually at between 30 - 50% of the amount owed.

Client credit repair tools and services help individuals get the repair process working for them almost immediately. Repairing bad credit reports is the first step to increased financial security and freedom.

Find free credit evaluations online or access no-obligation credit counseling to get your credit report repair process underway today.