Our Credit Repair Process

The Federal Trade Commission and Consumer Credit Protection Act have enacted hundreds of regulations that the credit reporting companies, collection agencies and credit bureaus must comply with in order for any reported item to remain on your report. When The Credit Guru receives your file, a skilled credit analyst reviews your reports to determine which items can be challenged and the best way to dispute them to help improve your credit profile. The Credit Guru then challenges derogatory items with a letter demanding the reporting company prove that they are in compliance with the laws and regulations and demanding that the challenged items be removed. The process is repeated with each of the three major credit reporting agencies.

Within 35 to 45 days after disputing, the credit bureaus respond with a summary that shows the results of each challenge made. The credit bureaus will mail your reports and investigation results directly to you, so you will see the results of each dispute even before we do. While the full process takes an average of two to six months in most cases, many clients see enough improvement in their score to allow them to qualify for a mortgage or low interest car loan in as little as 45 to 90 days.

Once your dispute letters have been filed and you start to see changes to your credit reports, you may want to consider doing a monthly credit score check to see how your scores are improving.

Good financial planning is the beginning of ensuring financial stability in your everyday life and it also allows you to have financial independence so that credit never becomes an issue.

A higher credit score means you can qualify for lower interest rates on any loan and save thousands. You can save BIG on home loans, car loans, or credit cards once you qualify for lower interest rates.