This process is the intense breakdown of the entire 3 major credit reports, identifying the key factors of the credit reports and areas of opportunity for improvements within the reports. This process will identify areas associated with the credit scores being reported.

We use the analysis process as the blueprint to our plan for our validation and disputing process, we also use the analysis to indicate when to start establishing new credit to help increase the credit scores.

During this process we will educate you on the factors that are affecting you, and what can be done to improve them.

Pay Per Deletion

Once the Initial Analysis/Audit process is complete the client will select what items they want deleted, selecting only one item at a time that are identified to be erroneous and negatively impacting the client’s credit.

During this process we use the Fair Debt Collection Practices Act which is the Federal Law that governs debt collector practices, and the Fair Credit Reporting Act which is the Federal Law that regulates the credit reporting agencies to ensure the information being gathered and distributed is a fair and accurate summary of your credit history.

This process calls for us to send continuous debt validation letters to collection agencies, and dispute letters to the three major credit reporting agencies (TransUnion, Equifax, Experian), as applicable depending on correspondences received back during the process.

Pay Per Deletion prices vary per deleted item per bureau.
$300 Analysis/Audit is (Required).
Fees are due after an item has been deleted.
Only pay for what gets removed/corrected.
Entire balance is due immediately after each result is received.
One account reporting on all three bureaus is considered three accounts, not one.

Pay Per Deletion Refund Policy

Completed Analysis/Audit and Deleted Items are Non-Refundable.