First, we start by requesting a copy of your credit report from each of the three major consumer credit bureaus — Equifax, Experian, and TransUnion. We will then analyze your credit reports and work with you to identify any questionable negative items hurting your score. We’ll build a custom game plan based on your unique situation.

 

Next, we challenge the identified negatives with the bureaus and your creditors. If they can’t prove that the items are accurate, fair, and substantiated, they are required by law to remove them.

 

Your credit reports and credit scores determine whether you can get a home loan, an apartment, a credit card, a cell phone, and much more. We’ll also monitor your credit reports and scores. In the time period, we currently live in, if you aren’t monitoring your credit report, you’re playing with fire- plain and simple. Remember the enormous Equifax hack that affected most of the adult population in the US, has made credit monitoring a necessity. The problem is that we can no longer assume that our personal data is safe. There is really nothing we can do personally to prevent these hacks.

 

We will provide educational information that you’ll need in order to maintain a healthy score and accomplish your credit goals.