Expert Credit Validation and Restoration
After your free credit consultation, we put together a plan of action that is tailored to your specific case. No two credit reports are exactly alike. Therefore to obtain the best results possible it will entail more than just letter writing to the bureaus, but also the creditors and collection agencies as well. There are Federal & State laws in place to protect you from inaccurate and unverifiable credit reporting. We make sure that these laws are being followed by using our multi-stage process.
We demand validation and verification of derogatory information using the Fair Debt Collection Practices Act,the Fair Credit Reporting Act,the Fair and Accurate Credit Transaction Act and the Health Insurance Portability and Accountability Act . These four laws have been established to protect consumers’ credit reports. Creditors and credit bureaus are legally obligated to produce documented evidence within a reasonable amount of time, generally 30 days, to back the claims they make. If they cannot validate their claims, they must promptly remove any undocumented information from the consumer’s credit report.
Most “credit repair” companies only have a one-step system that sends one round of letters to the credit bureaus. You can do this yourself at home. The problem with this method is that there is only about a 10% chance anything will be removed. Even if it was to be removed, when the creditor goes to re-report to the bureaus it will be put right back on.
We have a system that goes to the root of the problem to handle it permanently. This in our opinion is the ONLY way to handle the problem. We have a multi-stage process in place that is tailored to your specific case. You will almost never find two credit reports alike. If this is so, how can you run a general “fix-all” system? The answer is you can’t. Each creditor responds differently to different clients.
To Get Started Today Email: info@wwcfsinc.com