Debt Removal Solutions
Step 1: Reviewing Your Credit Reports
We obtain your reports from all three major credit bureaus—Experian, Equifax, and TransUnion. Our team carefully reviews every account for:
- Incorrect balances
- Wrong payment history
- Duplicate accounts
- Accounts that don’t belong to you
- Collections or charge-offs reported inaccurately
- Items that are outdated or unverifiable
Step 2: Applying FCRA Consumer Law
The Fair Credit Reporting Act (FCRA) gives you the right to dispute inaccurate, incomplete, or unverifiable information. Credit bureaus are legally required to:
- Investigate disputes within 30–45 days
- Remove or correct information that cannot be verified
- Provide you with updated results in writing
We draft customized dispute letters citing specific sections of the FCRA to force compliance from creditors and bureaus
Step 3: Using Metro 2 Standards for Accuracy
The credit reporting system is governed by Metro 2, a standardized reporting format used by all creditors. If a creditor reports data that does not match Metro 2 requirements, it is considered non-compliant and must be corrected or removed.
We hold creditors accountable by:
- Identifying data that fails Metro 2 standards
- Challenging creditors with proof of inconsistencies
- Forcing corrections that the bureaus are required to honor
Step 4: Following Up and Ensuring Results
Our dispute process doesn’t stop after the first round. We continue to:
- Track bureau responses
- Escalate disputes when necessary
- Leverage consumer protection agencies if creditors fail to comply
Our goal is to ensure your reports reflect only accurate, verified, and fair information.