Here are the four essential steps that make up the process of cleaning up your credit reports.
1. We examine your credit reports and discuss short and long term goals.
2. We develop a unique plan that fits your needs and time frame.
3. Our Team of Credit Experts Works Your Case.
4. Sit Back and Wait for Results!
Some insist that individuals cannot repair their credit without waiting years for negative items to be removed. Don't believe them. Shapiro Hurst & Associates, LLC has been doing this for a long time and in that time we have found that through continually refining and redefining our strategies, we have secured methods that provide optimal performance. Although the details of the process change as new laws are passed and regulations are added, the underlying principle has remained virtually the same when challenging inaccurate or unverifiable information from a credit report.
We Examine your reports from the three major credit bureaus, Experian, Equifax, & TransUnion. Here is a link to your credit reports for all three bureaus. https://creditstatusyoudeserve.com/toolsfor-success.
One of our credit repair specialists will contact you within 24 hours of receiving your reports. We will go over your report in detail with you and put together an action plan that best fits your goals.
We begin to audit your negative accounts by using our arsenal of credit report repair strategies and experienced staff to challenge negative items directly with the credit bureaus. Each individual case is different and depending on the number of negative items on your credit reports this step will be repeated for each subsequent loop through the cycle...
The credit bureaus have a "reasonable amount of time", approximately 30 days, to investigate your dispute. Once the audit is completed, you will receive correspondence in the mail. It is very important you send over all correspondence to us in a reasonable amount of time. We will then preform your account reviews around the 40-45 day from the 1st day your audits began. You will be able to access a detailed status of this progress 24/7 with your online client portal. You will receive an email with a link each time your account is updated.
- Staying active on a credit monitoring site is very important to our process and will help us to reach your completion date a lot faster.
- Please avoid speaking to any collection agencies on your own. Notify your agent should you receive calls while enrolled with us. We will make sure your rights are protected and correspond on your behalf.
Most companies just send out template letter after template letter hoping for different results with each audit. They also only dispute the validity of the derogatory items at the credit bureau level. This type of process is not the solution for everyone. However most companies will place each client in the same program no matter what their needs or time frame is. On average most credit repair agencies have a 40-50% deletion rate.
Our approach is much different. We have three companies that help with both Personal and Business Credit. We customize each and every plan for the needs and goals of our clients. We offer immediate and long term solutions. We also pride ourselves in never taking on a client we cannot help. Because of that, our deletion rate is 80-100%.