Our paperwork is the most significant part of this process. The verbiage in our letters are legal demands to remove the accounts in question. We first look for violations and errors the creditor may have made as the law states 100% accuracy in reporting. If there are any inaccuracies, we have a team of attorneys that can file lawsuits if our demand to remove is not accepted.

After the completion of your paperwork, we individually mail it off to all 3 Credit Bureaus. Once the Credit Bureaus receive our paperwork, the dispute is then sent to each creditor in question. The creditor has 30-45 days to respond to our request for deletion. If they cannot respond in the allotted time to verify the account as accurate, the account is then to be removed by the credit bureau.

The timeframe for your responses and results is typically 30-45 days. Some credit bureaus are faster than others and can get your results in as early as 2 weeks from mail off. Once you receive your results, please contact one of our helpful team members and will gladly explain the dispute results. Some creditors may ask for more information, in this case we will investigate their demands and respond accordingly. The entire process can take 3-6 months in some cases but will start seeing results in as little as 30-45 days from mail off.