How The Credit Building Process Works

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At Credit Repair USA in Grapevine, Texas, we strive to help you understand how to repair your credit in a knowledgeable and efficient manner. Millions of people have errors on their credit reports, and we work to help get those resolved and help you take steps to build a better credit score for your future.

If you have questions about building your credit scores call / chat with us today at 888-853-3880

Day 1-3: Consultation and Enrollment

After the completion of your consultation, you will submit payment credentials and be given instructions via email and text messages regarding the next steps you will need to take to move forward with the process.

Start Enrollment: Sign Your Agreement

The excitement of building your credit score begins, and you will sign a contract with us! Be assured that we allow our clients to be enrolled on a month-to-month basis, and you can cancel your membership at any time.

However, you will be required to sign a contract with us in order to move forward with the enrollment process.

Enrollment: Setup Your Identity Monitoring

Our credit repair professionals require the ability to track and monitor any credit disputes regularly. That is why we will work to provide you with consumer data reports to track and build your credit.

This step benefits you because you get to track your credit and monitor any possible identity fraud all in one place.

Enrollment: Proof Of Identity

You will upload photocopies of proof of identification within your secured client enrollment form. These documents can include a driver's license, passport, tax return, W2, and proof of address. After this, the enrollment steps are completed.

Day 4: Start The Disputing Process

During this part of the credit repair process, we will work to prepare your account and begin the disputing process to ensure that we can correct any negative statements that are affecting your credit.

We also personalize each letter so that we can ensure we are making personalized attempts for specific accounts and getting the best results.

Day 5-30: Waiting

Whenever a dispute is filed against a creditor, it is required to allow that creditor illegal 30 calendar days to respond to the dispute in accordance with the Fair Credit Reporting Act.

You will have to remain patient and persistent to allow credit bureaus to work with your creditors and collectors to investigate the accuracy of each disputed account thoroughly.

During this time, we will still be emailing, texting, and communicating with you in a timely manner to address any questions or concerns you may have.

Day 31-35: Receive New Reports and Scores

Once we have received the new reports and scores, we will reevaluate and strategize the best plan to improve your credit score.

You will receive correspondence in the mail from credit bureaus regarding the investigations made when the disputes were sent.

Please note that there is no guarantee that everything will be removed with every dispute submitted, but we will do our best to get your credit reports cleared up with the four major credit bureaus as much as possible in the shortest amount of time.

Day 36-44: Follow-Up and Repeat as Needed

After reviewing your file, we will repeat the process, follow up with credit reporting agencies and creditors, and send debt validation letters to any remaining debt collectors.

We will continue to repeat this process month after month until the desired results have been achieved.

Day 45-60: Begin Adding New Credit

After we have settled any credit disputes and gotten positive responses from creditors and debt collectors, we encourage you to use this time to begin rebuilding and re-establishing your credit history by applying for new credit options.

We will work with you to provide expert advice on which starter credit cards you should apply for to rebuild your credit.

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From credit building to financial education, our goal is to help with your unique needs. Have a personal finance strategy call with an advisor today!

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Contact Us

  • Mon-Fri 9am-5pm

  • 888-853-3880 Toll Free

  • 832-952-1333

  • [email protected]

  • By appointment only

    312 W. Northwest Hwy, Suite 116 Grapevine, Texas 76051

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