You are also part of this process. Credit reporting systems are flawed and almost all credit reports have errors. As a consumer you have rights consultative credit knows how to use them to your benefit.
Fair Credit Reporting Act
This law gives you the right to dispute any item on your credit report. Consultative credit will write letters to the credit bureaus about these items, a lot of letters. The credit bureaus have 30 days to verify each item if they can’t prove it, they must remove it. Consultative credit is very good at this.
The first step is to order reports and scores from the three credit bureaus. We will guide you to the best places to order your report. We will also recommend credit monitoring. So you’ll be updated when changes occur. Don’t worry your score won’t suffer when you order your own reports. We will also need a copy of your driver’s license and current proof of residence like a utility bill. Once you have obtained your three credit reports.
We will then structure a game plan and along the way towards healthier credit. You will be able to see the work we’re doing, by using your own login information through your customer portal. See the status of your scores accounts were, disputing tools to help along with the healthier credit process, improve your finances and secure messaging. Here is how we can accelerate the process. Stop applying for any lines of credit. Each time you do apply for credit, it will reflect in lowering your score.
Don’t close old accounts that could hurt your score to buy old accounts that you’ve had for a long time, no longer being there. Pay your credit card debts down to below 25% of the available credit line. Never spend more than 25% of your credit line amount even if you pay it off in full each month and most importantly, we will be sending many letters to the credit bureaus. Be sure to open all of your mail and send these replies to us.
A consultative credit remembers this process takes time and you know exactly, what we’re doing towards getting you healthy your credit every step of the way. If you have any questions or concerns don’t hesitate to reach out. We’re always here to assist you. Our contact information is always on our website and in our emails that consultative credit. We appreciate that you chose us. We look forward to helping you towards healthier credit and your financial future.