Our Comprehensive Credit Repair Strategy is Time-tested and Proven to Gets Results For Your Clients
Although every client’s situation is unique, the process for operating your credit repair business and building your client’s credit will roughly follow the same general steps.
At The Dispute Center, we follow a comprehensive and proven credit repair strategy to help your clients reach their goals. Our philosophy has helped thousands of clients obtain the financing and credit they were seeking.
Although our credit strategy may seem simple and straight-foward, which it is, there are complexities that need to be navigated to have success. You can count on the years of experience and personal knowledge we posess at The Dispute Center to achieve the results your clients need.
Step One - Verification Audit
We investigate the accuracy of any accounts or information the client believes to be inaccrate, outdated, or unfair with the credit bureaus and the reporting companies. The investigation phase will correct or delete any inaccurate or erroneous accounts or information. This phase is more than just sending letters to the credit bureaus, it is a deep investigation with the reporting companies seeking documentation to provde the chain of ownership and supporting documents required to prove the account accuracy. Once all items are corrected, removed, or verified, we proceed to the next step.
Step Two - Account Resolution
If any accounts are verified as accurate, depending on the account type, age, balance, and client goals, we will provide options to resolve the account and that will help the client reach their credit goals. This phase can take different paths depending on the client’s unique situation. With our years of experience and personal knowledge, we know the best strategy to reach the credit goals.
Step Three - Credit History
Credit History: The final step involves the evaluation of your client’s positive credit history. In some cases, the removal of negative credit can temporarily decrease your client’s credit score. We provide the client with credit building strategies to continue their credit score improvement, however adding positive credit should wait until all collection accounts have been resolved. To optimize the credit score, we recommend the optimal mix of credit accounts: a mortgage account, an installment account such as a personal or auto loan, a retail card such as a gas or store card, and a traditional credit card.
Upon successful completion of our credit repair process, your client’s credit should be in the best possible standing.
We continue to guide your clients with successful credit strategies and encourage them to maintain their positive reporting efforts. If the client is able to keep payments current and utilization rates low, they will be on their way to credit success.
Your clients must have a commitment to the process to have success with credit repair.
In order to complete the program quickly and with the best results possible, your client must be ready to be proactive throughout their program. Encourage your client to participate hands-on in the credit repair process. Your client should commit to:
- Communicate consistently.
- Forward mail or emails related to their credit and debt as received – which reduces their program time by 50% or more – the responses provide vital information the credit report does not.
- Avoid any further derogatory actions, such as new late payments or collection accounts, increasing open credit card balances, or submitting new credit applications.
- Having available access to funds to settle any accounts that are validated with outstanding balances.
- Be willing to add positive credit at the time deemed appropriate to further increase their credit standing.
- After encouraging your client to embrace these commitments, your clients will be ready to succeed with their credit goals.
The best part of this success strategy, we do it for you with our full-service add-on option. By outsourcing the bulk of these time- and cost-heavy aspects of your business, you get extra time to focus on community outreach and customer acquisition. We’ll handle the rest. We pride ourselves in transparency, so every step we take is available for your review.
Contact us now to experience The Dispute Center difference that will allow you to stand leagues above your competition. Give us a call at 616-541-2322 to take your business to the next level.
The Dispute Center
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4485 Plainfield Ave NE, STE 102
Grand Rapids, MI 49525
M-F 9 am to 5 pm ET.