THE CREDIT REPAIR PROCESS

The Federal Trade Commission and Consumer Credit Protection Act have enacted hundreds of regulations that credit reporting companies, collection agencies and credit bureaus must comply with in order for any reported item to remain on your report.  When TRW Credit Group receives your file, a skilled credit analyst reviews your reports to determine which items can be challenged and the best way to dispute them to help improve your credit profile.  TRW Credit Group then challenges derogatory items with a letter demanding the reporting company prove that they are in compliance with the laws and regulations and demanding that the challenged items be removed.  The process is repeated with each of the three major credit reporting agencies.

Within 35 to 45 days after disputing, the credit bureaus respond with a summary that shows the results of each challenge made.  Our overall average success rate in removing unverifiable derogatory items is 85% to 95%.  Best of all, the items that tend to be removed first are those that are the most harmful to your report, such as bankruptcies, tax liens, judgments, charge-offs, repossessions and student loans.  While the full process takes an average of four to six months in most cases, many clients see enough improvement in their score to allow them to qualify for a mortgage or low interest car loan in as little as 45 to 90 days.

HOW WILL I RECEIVE THE CREDIT REPORTS?

The credit bureaus will mail your credit reports to your mailing address, and you must forward them to us.   The only way that we will be able to dispute the credit reports is if you send them to us.  We ask that you follow the instructions that you will receive from us and mail, email or fax all correspondence from the credit reporting agencies to our office as soon as you have received them.