Each one of the three major credit bureaus will reflect at least one-third of your total credit history. If you are requesting a credit card, someone can look at your Equifax report and find nothing that would keep the credit card company from issuing you the card. However, they might also look at your other reports, Transunion and Experian, and find flaws in your credit file. That’s why it is extremely important to use a credit item verification platform that verifies not one, but all three of your bureaus.

Each situation is different. We generally tell all of our clients that they can expect anywhere from 3 months to see a noticeable difference, to 6-12 months to complete the service. Credit item verification is a process and although we work quickly to improve your credit we can only move at the credit reporting agencies, court houses, and creditors’ pace.

Within 3 to 5 business days from the time you sign up our specialists will begin working with the credit bureaus toward removing the negative erroneous items from them. Please understand that credit item verification is a 6-12 month process maybe even more depending on your situation.

There is no definite answer, however normally 45-60 days including processing and mailing time from the credit bureaus. We typically suggest that you will receive your reports within 60 days of signing up. If you do not, you can always contact a representative or email us for an update of your service.

Unfortunately, the credit reporting system just doesn’t work that way. When you pay your debt, the negative erroneous credit listing doesn’t disappear. There is little difference between a paid negative item on your credit report, or an unpaid one. In most cases, you won’t get much further by paying the old debt. We can recommend a debt negotiation service to help you in that situation…simply ask your representative.

Our credit verification experts the only ones who will see your credit reports, however if you are applying for a job, employers may review your credit file and if you are in the process of trying to get financing on a home, auto, credit card, charge card or personal loan.

Once we have your credit reports, we dispute the items with the credit reporting agencies, court house, and creditors or lenders on your behalf. Any information the agencies or creditors cannot verify is removed. Any request not responded to within the allowed response time is removed. Probably sounds easy, but if you ask someone who has attempted to verify their own credit, they will tell you it’s actually not. According to federal law, the credit agencies can ignore your request under a variety of conditions. A large percentage of letters sent directly from consumers are rejected under one credit agency pretext or another, making it a very time consuming and frustrating task. After we dispute your negative credit items, a new copy of your credit report will be sent to your address showing any deletions or improvements. When you receive your new copy, send us the updated version of your credit report, so we can continue verifying the remaining negative erroneous items. Any accurate and verifiable information will remain on the credit report. All too often, credit items cannot be verified or in many instances the creditor will not respond to our request due to our approach and the negative erroneous item is removed.

Yes, our methods of disputing have proven to remove any type of erroneous late payment whether it is 30, 60, 90, or 120 days late. We see more erroneous late payments being removed than any other negative erroneous item.