How It Works
Obtain Full Credit Report
Dispute Identified Information
Watch Your Progress
Credit Repair might seem an arduous journey to many. Having inadequate knowledge and awareness about credit issues might be the first hurdle individuals face. Thus, when they continuously get rejected while applying to bank loans or are not able to manage their existing debts, they get baffled about their future course of action. People realize that they are in a precarious financial position, but they are not able to fix it themselves. They might not be aware of the exact procedure regarding credit repair, or they are not able to analyze their credit reports correctly. Thus, after much deliberation, they seek the help of professional credit repair services.
Even after approaching credit repair specialists, people might have suspicions about the efficiency of their services. It is but natural to have such nagging worries, especially in matters of credit. 007 Credit Agent understands the customer’s dilemma and offers an easy to understand and sequential process to handle credit repair.
- In the credit repair journey, the first step is to obtain a full credit report. The three credit agencies (Experian, Equifax, and Transunion) collect information on an individual’s credit history and compile the credit report. Individuals need to obtain this credit report from all the three agencies and send it to 007 Credit Agent for review. After analyzing the credit reports, credit repair consultants from the company would contact customers with the necessary solution for credit repair.
- Disputing negative information in the credit reports and removing such information is the most crucial aspect of credit repair. Thus, it forms the second step in 007 Credit Agent’s services. While analyzing the credit reports, credit agents look for false, inaccurate, or derogatory information. With valid proof and documentation, they dispute this information and appeal for its removal from the credit reports.
- The next step is to monitor progress. Credit Repair does not happen in a day. It is a long process, involving multiple institutions and several rounds of correspondence and negotiations between credit bureaus and credit repair companies. 007 Credit Agent stays with their customers throughout the credit repair journey and helps customers track the improvements in their credit position.
When it comes to disputing information in credit reports, the credit repair consultants use different strategies to remove negative information from credit reports. They initially look for the commonly found negative items that hamper a person’s credit score, such as late payments, charge-offs or collections, repossessions, and bankruptcy.
However, the application of credit repair strategies depends on the customer’s current financial position and needs. Thus, 007 Credit Agent has come up with different packages for credit repair.