1. A Client receives an application from an agent or is directed to a website to purchase the Credit System, Debt Management & Budgeting ebook. At the back of the ebook is a certificate entitling you to the FREE Credit Disputing Process.

2. You will forward a copy of your certificate and a copy of your free credit report you can request from ( www.annualcreditreport.com ) and we will analyze the report and draft the appropriate letters for each bureau.

3.  Only 22 negative items can be disputed at any one time ( per bureau ). Up to 22 of those derogatory accounts are documented on dispute letters addressed to all 3 major credit bureaus (Equifax, Experian & Trans Union).

4. The dispute letters are forwarded to you via email, or general mail delivery, if no email is available,  with a Welcome Letter and Instruction Letter attached. The Welcome Letter also includes a license code ( password ) to access our proprietary EBOOK covering the 65 part educational series developed to teach you the rules of credit reporting and how to attain credit scores into the 800’s. You may have already obtained the password from your referring agent but this is for safe-keeping.

5. The client then checks the personal information on the dispute letters, signs each of  them, includes 2 forms of identification with each letter and mails them out to the credit bureaus. A signature required is usually sufficient for proof of delivery to each of the credit bureaus.

6. 17-21 days after sending out the initial dispute letters - each credit bureau will begin sending you form letters or even a copy of your credit report. These letters are intended to be what is called an “acknowledgement” letter simply notifying you that your case is under investigation. If you still see the negative items listed on a generic letter from the credit bureau do NOT assume that the dispute is over or the credit bureaus have completed the investigation this is customary.

7. 17-21 days after receiving your first responses ( acknowledgements ) - you will begin receiving the Results of Investigation, Investigation Results or Outcome of Investigation (each bureau calls it something different) WE NEED THAT CORRESPONDENCE as quickly as possible.

8. ANY time the client receives correspondence from ANY of the credit bureaus they are instructed to immediately forward that information to our Processing Center. We instruct the client to let us analyze the results and respond on their behalf to EVERY request. We have a proven system of proprietary responses that force the credit bureaus to remain focused on Section 609 of the FCRA, the law we are disputing. They would gladly take your mind off the fact that NO verifiable proof accompanied the RESULTS just received!

9. If anything remains unchanged we simply re-address section 609 in a follow up dispute letter and force a re-investigation to take place!

10. If 60 days EVER goes by without a response we must know immediately from the client so we may address a DELAY of Investigation letter to that credit bureau failing to respond.

11. We have become experts at researching & analyzing credit report. We know the reason coding system ( factor codes ) used to calculate credit scores. We know how to maximize your credit scores all on an individual case by case basis. We can teach you how to attain a positive account on your credit report as a trade line in 60 days or less, how many of what types of accounts do you need for the highest score, do my open credit card accounts that I pay off monthly hurt or help me? What is an authorized User? All of the answers to these questions are included in our EBOOK - the 65 Part Educational Series.

We have an email-based customer service that virtually allows us to communicate with hundreds of clients simultaneously.

If you do not have email access simply leave a message on our messaging system and we will address your questions with a general mail delivery response. We save everything as a physical record for your file.