Unlike many of our competitors, the CreditRepair.com process does not depend upon an endless cycle of disputes. In fact, the bulk of our correspondence is sent to creditors, the biggest source of the data that credit bureaus use to create credit reports. Consumers are entitled to ask tough questions about everything included within their credit reports, and we've found it most useful to broaden those conversations to include the original data furnishers in order to ensure lasting results.
Basically, disputes take two forms: "not mine" or "not late." Consumers who are tackling simple errors can choose to file such disputes with the credit bureaus directly, either online or by written letter. Unfortunately, too often, the data problem originated with the creditors who first reported the inaccurate information in the first place. When faced with a dispute notification from a credit bureau, creditors are often happy to simply reaffirm their original report. That's one reason the CreditRepair.com approach includes extensive correspondence with original creditors. The second reason may be even more important, though: Even if a credit report item is accurate, it may not have been fairly reported in line with several consumer laws. Examples of accurate but unfair credit reporting may involve issues surrounding divorce, military service, student loan deferment, unsubstantiated or duplicated collections, and other credit-impacting life events. CreditRepair.com consumer advocates know how to ask the questions that consumers are entitled to ask in order to help you confront a problematic credit score.
It is every consumer's right to dispute directly with the credit bureaus. Unfortunately, disputed items are sometimes just simply reaffirmed by the original creditors. Basically, the credit bureau's computer just pings the creditor's computer with a simple question: "Is this the data you have on file?" Since the answer to that circular question is almost always affirmative, we at CreditRepair.com have found it useful to broaden the discussion to include those creditors. Finally, simple dispute letters are usually only targeted toward inaccuracies. If a credit report listing is accurate, but hasn't been reported fairly or can't be legally substantiated, it can't remain. CreditRepair.com helps its members to ensure that what appears within their credit reports meets all three standards.
We certainly do dispute items for our members whenever that's required. However the CreditRepair.com process doesn't usually begin or end there. In fact, 95% of our correspondences with the credit bureaus aren't disputes at all. Instead, since we do much of our work with the original creditors who reported the data in the first place, we're most often asking the credit bureaus to simply check with original creditors for updates. This three-way approach involving you, your creditors, and the credit bureaus helps to ensure that your credit repair is carried out with integrity and produces lasting results.
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