One On One Credit Repair‘s goal is to help people improve their financial situation.We are experts in our field and our strategies are effective in clearing up negative credit.The process has evolved over time, but the basic principles have remained unchanged. Here are the steps we take in cleaning up your credit reports. These steps are repeated until you are satisfied with the results
Step 1: Obtain your credit reports
You take the first step in credit repair by obtaining copies of your credit reports from all three of the major credit bureaus and sending them on to us. You must take this step, as a credit repair agency cannot request your credit report. Updated reports should be mailed to our office, not faxed or emailed. Without receiving these updated reports we have no way of knowing which items were removed successfully.
Step 2: Select the items you wish to dispute. After we receive your credit reports, we will create a database of information on your case. Then, you simply tell us which items you would like to dispute. If you have questions, or need assistance in analyzing your report, we are here to assist you every step of the way.
Step 3: One One One Credit Repair works your file. One One One Credit Repair begins the dispute process by using tried and true credit report repair strategies and experience to challenge negative items directly with the credit bureaus. The number of times this step will be repeated is based on the number of negative items on your report.
Step 4: Let the credit bureaus do their job. Once we submit our dispute information to the credit bureaus, they have 30 days to investigate. Then, they must inform you of the results of their investigation, update your credit report and send you a copy of the updated report. The average time between dispute submission and new credit report data is 60 days. Once you receive a response from a bureau, make a copy of the new report for your records and send the original to firstname.lastname@example.org. We will begin the cycle all over again, as we continue to try and improve your credit report