One On One Credit Coaching & Consulting Services

Purchase your credit report for $1 here and fill out the form below to schedule your credit report analysis. You will receive a call from me to review any potential errors that may need correcting and how to go about doing that.

This service takes the analysis one step further and gives you a list of items that need to be disputed along with the correct dispute reasons to use in order to get the account removed (there is no guarantee that the account will be deleted as the bureaus have a very high tendency of verifying accounts even though they are erroneous).

This service includes the analysis and takes the dispute plan one step further with me personally drafting your first round/set of letters (to all 3 credit bureaus) to send off to the credit bureaus using the Metro2/Factual dispute method. This service is for mainly for those that have never started the dispute process or started the dispute process at least 6 months ago and would like to restart the process. You have the option of mailing your own letters or having me send them for you. 

If the bureaus verify any accounts that are disputed in round/set 1, then you will need to dispute a second time, putting additional pressure on the bureaus to comply with correcting or deleting the account. This part of the dispute process (and service) also includes sending individual letters to each lender account that is either verified or updated and not deleted. This part of the dispute process may also include filing complaints with the necessary regulatory agencies like the CFPB, FTC and BBB. 

At this point if the bureaus reverify any accounts that are disputed again in round/set 2 then you will need to submit complaints to the CFPB and other regulatory agencies along with copies of all of the dispute letters and other important documents that they would need to complete their own investigations and force the bureaus to delete the accounts that they did not comply with deleting. 

If in the event that the CFPB and other regulatory agencies do not intervene in helping get the accounts in dispute deleted, then you will need to proceed to the final step of the dispute process and file a lawsuit in your state against the credit bureaus for non compliance with the FCRA. This entails finding out which laws in your particular state that they bureaus violated that conform to the federal laws. 

Another important aspect of the credit repair process and improving your credit score is to add positive information (using primary and secondary tradelines) to your credit file on a monthly basis. Based on your unique credit file I will draft a personalized credit builder plan outlining which accounts you need to add, how to acquire them and make sure that you keep them in good standing.

Save $550 by getting all of the services above for just $2500. Includes everything from the analysis to the filing of the lawsuit if need be.