How Credit Reports Works

How Credit Reports Works

Build My Scores utilizes a multiple phase audit process to have the inaccurate items removed from your credit reports. There are Federal and State laws in place to protect the consumer from inaccurate and unverifiable credit reporting. We assist you in enforcing these laws by implementing our strategy.

Credit Repair Services

1. Thorough research and investigation of credit and collection agencies information, inquires, public records, and source of information.


2. Carefully audit the Credit bureaus; Equifax, Experian, and TransUnion


3. Reinvestigate the credit bureaus and ask for method of their investigation.


4. Validation of Debt Audits, demanding creditors/collection companies produce original documentation.


5. Revised Validation of Debt to the collection agencies as needed.


6. Offer of Performance Audits to the collection agencies.


7. Omission by Silence packets back to Bureaus supplying all audits to the collection agencies/ creditors and failure to comply.


8. Estoppel letters and FTC complaints to those who do not comply with audits.


9. We utilize Delivery Confirmation mail when auditing the creditors and collection agencies to create a paper trail of documented proof.

We don’t just write letters or dispute online with the credit bureaus. We do validations of debt and audit the creditors directly. We professionally audit the creditors and collection agencies using over 400 different custom letters. We continue to create new custom letters. We don’t use form letters like most credit repair companies. We tailor it to your needs. Our intense audit demands validation and verification of derogatory information using the:

1. Fair Debt Collection Practices Act


2. Fair Credit Reporting Act


3. Fair and Accurate Credit Transaction Act


4. Health Insurance Portability and Accountability Act

These four Federal 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 prove the information they are reporting. If they cannot validate their claims, they must promptly remove any undocumented information from the consumer’s credit report.

Source

Contact Us Today To Fix Your Credit Score!