Credit Repair

Aggressive and Ethical Credit Repair

Many companies that try to help clients with credit repair use a disputing process. When disputing with the credit reporting agencies, they can push back and call the dispute process “frivolous”.  When that happens they refuse to take any more arguments and close down.

We use the ethical Metro 2 Compliance method where we can have negative items removed. We use the instructions on the credit bureaus’ own website to compel them to Compliantly Act with Certifiable Proof that what they are reporting is complete, timely, not erroneous or they must remove the items immediately.

We help raise your credit scores faster using a 5 step code that the credit bureaus don’t want you to know. We effectively and efficiently create a power attack plan to ensure your chances to win are greater without costing you more and more money and time.

We deliver the most ethical, compliant and aggressive program.  We follow all consumer laws to help you remove entries on your reports that are unverifiable, out-of-date and inaccurate.  Start the process by completing our contract (Colorado Law states that you can cancel this contract within five business days).

We’ll help you obtain copies of your credit reports from the three main credit reporting agencies:  Experian, Equifax and TransUnion.  We will go over your reports together and decide the best plan to raise your scores and remove unverifiable items.  We can then start the repair process.

What is Metro 2 Compliance

So, What is Metro 2 Compliance? As explained by, Metro 2 Compliance is the standard format for which financial institutions must send data about their loan customers electronically to the major credit reporting agencies (CRAs). One of the goals or benefits that should be derived from using a standard format should enable banks to comply with the Fair Credit Reporting Act (FCRA) and the Equal Credit Opportunity Act (ECOA).

The Consumer Data Industry Association (CDIA) provides the definitions that go along with Metro 2 compliance language. Recently, federal regulators have placed an increased emphasis on the completeness and accuracy of the data being transmitted to the major CRAs and data being published by each of the CRAs.
A review of the CFPB’s Consumer Complaint Database noted over 50,000 complaints from January 1, 2016 through February 28, 2017 related to credit bureau reporting. The accuracy of the data being reported to and by the major CRAs is critical to a consumer’s ability to receive credit in today’s marketplace.

How Do the Credit Bureaus Get My Info – What is E-OSCAR

e-OSCAR is a web-based, Metro2 compliant, automated system that enables Data Furnishers (DFs), and Credit Reporting Agencies (CRAs) to create and respond to consumer credit history disputes.

Due to the fact that humans can and do make mistakes, errors can and do occur. If it’s not 100% correct it must be deleted.

We’ll help you obtain copies of your credit reports from the three main credit reporting agencies: Experian, Equifax and TransUnion. We will go over your reports together and decide the best plan to raise your scores and remove unverifiable items. We can then start the dispute process.

Get started with us today:  Call for your free, no obligation information.  940-762-9667 or complete to form to your right.

Call us for more information:  940-762-9667

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Texas – 940…762…9667
Colorado 970…658…0909
Serving Texas, Colorado, New Mexico, Wyoming,
North and South Dakota, Connecticut

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