Credit Repair

Overview

What's included

• Comprehensive tri-bureau credit audit and written analysis
• Round-by-round dispute letters tailored to each item and bureau
• Creditor and collector direct-verification challenges under FDCPA §1692g
• Goodwill, method-of-verification, and re-investigation letters where appropriate
• Monthly written progress report with copies of every response received
• Bilingual (EN / ES) case manager assigned to your file

Who it's for

Arizona consumers who see collections, charge-offs, late payments, repossessions, medical debts, or identity-related items on their reports and want a lawful, documented path to a cleaner file.

Our process

1. 01

   Audit

   Line-by-line review of all three bureau reports with a written summary of every disputable item.

2. 02

   Strategy

   Priority ranking based on your credit goal — mortgage, auto, business, or general repair.

3. 03

   Disputes

   Compliant dispute cycles every 30–45 days with the bureaus and, when needed, the original creditor.

4. 04

   Follow-up

   Analysis of every response and escalation of items that come back verified without adequate documentation.

5. 05

   Report

   Monthly written update showing what was removed, updated, or still under dispute.

Expected outcomes

• A credit file that reflects only accurate, verifiable, and legally reportable information
• A clear paper trail of every dispute and response
• A working knowledge of your own report so you can protect it going forward