This method is for clients who DO NOT have Public Records & Original Creditor Closed/Charged Off Accounts. For 3rd Party Accounts + Debt Elimination and/or Settlement Fees.
This method is for clients who DO NOT have Public Records. For Original Creditor Closed/Charged Off Accounts & Also Have 3rd Party Accounts + Debt Elimination and/or Settlement Fees.
This method is for clients who DO HAVE Public Records, Original Creditor Closed/Charged Off Accounts & Have 3rd Party Accounts + Debt Elimination and/or Settlement Fees.
The Factual Verification Process starts with the filing of an attorney drafted dispute with each credit bureau using all required language under the FCRA to ensure complete compliance by the credit bureaus and proper verification of information furnished by creditors.
Using the correct language ensures that the credit bureaus and creditor are legally put on notice that you have:
• 1) Disputed the validity of the information.
• 2) Assured the bureaus and creditors that your dispute is not frivolous, irrelevant, or without merit; and
• 3) Have demanded that the bureaus and creditors produce a description of the procedure used to come to their conclusion under FCRA 611(B)(iii).
This process will take 30 days from the date your initial dispute is filled with the credit bureaus. They will then mail you an updated credit report, where some accounts will be deleted and some will be verified. The report should include details on the process used to come to that conclusion.
At this point we will file separate charges with the Federal Trade Commission and Bureau of Financial Protection against each Credit Bureau and each individual creditor. For instance if you have 10 creditors, that would result is 13 separate charges that we file on your behalf against the credit bureaus and creditors for failure to produce a sufficient procedure used to verify the account or failure to produce any description of the procedure used to verify the account.
At this step in process the creditor has 15 days only to respond or remove the negative items from your credit report otherwise they will be assessed and levied fines for noncompliance with the FCRA.
This procedure relies on using the required legal language drafted by our attorneys and then holding the creditors and credit bureaus feet to the fire by filing appropriate charges and providing the requisite evidence that the credit bureaus and creditors had notice but were negligent in following the law.
If you are a victim of Identity Theft and accounts have opened on your credit report from the actions of an unauthorized 3rd party then we can help you file an Identity Theft claim. The Credit Blocking Process starts with the filing of a Identity Theft Affidavit and a Police Report with you local police prescient.
Then we file the following documents with the credit bureaus to have the accounts permanently blocked by the credit bureaus.
• 1) Proof of identity of the victim
• 2) A properly completed Identity Theft Affidavit and Complaint
• 3) An Identity Theft Police Report provided to us by the victim
• 4) A notarized statement assuring the credit bureaus that the ID theft claim is not filed in error, contains any material misrepresentation of facts, or that victim benefited from the transaction.
If you are a victim of identity theft and can provide us with a police report about the incident we can help you with cleaning and repairing your credit report.
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Please call us to schedule a free phone or in-person consultation at 770-655-5030