How credit repair works

Credit bureaus insist that individuals cannot repair their credit without waiting years for negatives items to be removed. Don’t believe them. Credit Report errors are at an all time high and these inaccuracies are most likely affecting your score in a big way. Here are the four essential steps that make up the process of cleaning up your credit reports. These steps are repeated until you are satisfied with the results or cancel our services.

We examine your credit reports
You begin by forwarding copies of your credit reports to us from all three of the major credit bureaus. If you do not have copies of your credit reports, you can get copies at http://www.ficoscoreonline.com. Simply supply us with your username and password and we can login and download them without hassle.

You tell us which items to dispute
By either letting us know over the phone, writing on your credit report, or filling out the online interviewer, you inform us of what needs to be disputed.

HTDI Financial works your case
HTDI Financial begins to dispute your items by using its arsenal of credit report repair strategies and experienced staff to challenge negative items directly with the credit bureaus. This process will continue, with each new round to the bureaus having to address a smaller number of inaccurate, unverifiable and incomplete negative information each time.

Sit back and wait for results
The credit bureaus have a reasonable amount of time (roughly 30-50 days) to investigate your dispute. Of course with mail time, we figure 45-60 days from the time we draft letters to when you will have most or all the responses in the mail and forwarded to us. Within that time they must provide proof of the discrepancies on your report or be forced to delete those negative items. They will send you an updated credit report and you will then send it to us to move your case forward. The cycle begins again, and we remove more negative items from your reports…

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