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.

2) Debt Settlement with 1st Party Creditors (DEBT NEGOTIATION & DELETION NEGOTIATION for VIOLATIONS in Reporting errors etc). DELETION is NOT ACCEPTED for MOST 1st Party Debt Settlement Accounts) but we can request Debt Validation with 1st party creditor 

3) Debt Validation with 1ft Party, Creditor must send proof within the allowed time. If the is no proof sent in the allowed time, we can Dispute with the CFPB and request Deletion. Also we can show the paperwork to a Lawfirm to see if there is a Violation to take into Litigation.

This is for Qualified Clients Only, and if the case is accepted based on its merits. This can be used for Late Payment Inconsistencies and errors that are not corrected after disputing the information. Then Law firm reviews case. Also can be used for ID THEFT Cases with police report & then reviewed by a Law Firm, if Accepted then client signs retainer.