How it Works 2017-05-12T18:46:37+00:00

How Credit Repair Resources Manages your Files

Credit Repair Resources works hard to make the credit dispute process easy, seamless and effective for our clients. We use our knowledge of the Fair Credit Reporting Act, the Fair Credit Billing Act and Fair Debt Collection Practices Act, as well as other applicable Federal statutes to maximize your results. We are a no advance fee firm and we offer a 90 day Performance Warranty

Below you will find a step by step guide of our workflow. It is important that you understand what we do, how we do it and what you can do to maximize your investment. Credit Repair Resources is committed to improving our client’s credit profiles. We work together with our clients to reach the common goal of success.

Set Up and Credit Adquisition

In order to determine if you are a candidate for our services, CRR must review a recent credit report. If you have one available, you can securely submit your report via our online application. If you do not have a recent copy of your credit report, you can call us and one of our client coordinators can help you acquire a fresh report that will not impact your credit score.

Once you have successfully submitted your report, it will be reviewed within 24 hours and we will contact you with your personal evaluation. If the results are favorable, your client coordinator will explain the entire process to you in detail so that you understand every detail of the process.

For reference, we have briefly outlined our workflow for you below. Every report is different, but this will give you a baseline for what you can expect.

Personal Discovery Call

Once you have enrolled with us, you will be scheduled a 20-40 minute discovery call with one of our Case Managers. You will first address all of your technical data and then move into your derogatory items.They will work with you to build the most aggressive argument on every auditable item.

Once you have set up your challenges, you will then be given your suggested action plan. PLEASE NOTE: Your action plan is equally as important as our services. In order to receive full value for your investment in ANY credit services, you must be willing to work to improve your positive credit profile.

Audit Timing

Because creditors and debt collectors have 30 days to respond to inquiries, we set our audit rounds to 45 days. This allows for mail time and any unforeseen delays in receiving information. We want to be sure we have given ample time for them to respond for multiple reasons.

The Process

Our process is much more than dispute letters. We address the bureaus initially and then follow up directly with your creditors and debt collectors. We ensure that every item that can be audited is fully verified through our offices. If deemed necessary, we will send escalation letters that have proven to be highly successful.

The Updates: We do ask that our clients independently enroll in a preferred credit monitoring services. This allows us to provide our clients and if applicable their referring agents with a complete report card every 45 days.

“CRR Report Cards” contain all three scores, deletion/correction percentages as well as all open positive credit reporting, with their current balances and available limits.

How Long Does it Take

It is a violation of the Credit Repair Organizations Act for any Credit Repair Company to quote completion times. No two reports are the same and we cannot predict the future activity on a consumer credit report. Any company quoting score increase or time to repair is acting deceptively and should be avoided.

That being said, Credit Repair Resources is committed to your success and will do everything we can to expedite your success.

Performance Warranty

At CRR we want to be sure that our clients enroll with confidence. The same applies to our referring agents that have trusted us with their referrals for years. That is why we have always offered a 90 day Performance Warranty:
No credit repair company can guarantee credit score increases, how long the process will take nor what exactly will be removed from the credit report.

However, if we have been unable to improve your credit profile after 90 days, you have followed our instructions and provided us with updated credit reports, we will refund your investment, no questions asked ().

Cancellation

CRR wants to be sure that our clients are committed to the process and their success. If for any reason you change your mind, you can cancel within 5 days of your initial enrollment.

What we do offer is a well constructed credit report audit that starts with a personal discovery call so that we can gather as much data on every item on your credit report. We address all items in our initial inquiry and follow up directly with your creditors and debt collectors. It is our goal to fully verify every item via written proof.

CRR will evaluate your responses to ensure there are no deceptive attempts made to verify information we request. The average process takes from 2-7 months. Everyone’s credit is unique and it would be impossible, as well as illegal, to quote exact audit times or score improvements.

CRR will also provide you with an action plan based on your personal profile and budget. It is vital to build a positive credit footprint while we work to audit your report. Failure to execute your action plan may severely hamper your results.

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