Not disputing with the credit bureaus FIRST

In credit repair, you must always dispute your negatives with the credit bureaus before doing anything else. 10-20% of all items disputed in an initial round of disputes will fall off of your credit report. We know this can turn into a difficult task, which is why we are here to help you.

Not documenting your efforts

You should be keeping notes and dates of all of your efforts. Making notes of anyone you speak to, when you send a letter, and when you receive a letter. Organizing all of this information can become a difficult task. We can help with this also because under the Fair Credit Reporting Act (FCRA), credit bureaus have 30 days to get back to you with the results of an investigation on your dispute. If you do not hear from them within 30 days, they must remove the item. We can keep track of all contact with the credit bureaus and make sure they abide by all of the FCRA rules

Never dispute items online

You will not have any written records of your dispute. It seems like it will be easier to file a report online but you will not be able to dispute specific information within the listing. For instance, wrong high balance, wrong date account was opened, number of late payments, etc.

Having unrealistic expectations

If your credit report is in bad shape, there isn’t a quick fix. The process takes time, usually from 6 months to a year. In addition, some items are extremely, if not impossible, to remove: bankruptcies, tax liens, judgments, and child support. The process can seem overwhelming and we are here for the long haul and can help you!