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Credit Repair Services Overview
Comprehensive Credit Report Analysis:
• Review all three major credit bureaus (Equifax, Experian, and TransUnion) to identify inaccurate or negative items.
• Identify accounts or data that do not comply with the Metro 2 format, which is the standardized format used by the credit bureaus to report credit data.
Metro 2 Compliance Auditing:
• Analyze whether the reported items meet the compliance requirements set by the Metro 2 guidelines.
• Check for any violations or discrepancies in the reporting, such as incorrect account statuses, dates, or other critical factors.
Dispute Filing Using Metro 2 Guidelines:
• Formulate disputes to challenge inaccurate, outdated, or unverifiable information in a format that aligns with Metro 2 standards.
• Send disputes directly to the credit bureaus or data furnishers, demanding correction or removal of non-compliant items.
Verification and Validation Requests:
• Request that creditors and collection agencies verify the accuracy of reported information using the strict Metro 2 compliance guidelines.
• If they cannot verify or validate according to Metro 2 standards, request removal of the negative items.
Personalized Repair Plan:
• Tailor a credit repair strategy based on the client’s specific needs, addressing areas such as late payments, collections, charge-offs, and more.
• Set realistic goals for improving credit scores based on the findings and resolution of non-compliant items.
Ongoing Monitoring and Updates:
• Continuously monitor changes on the client’s credit report during the repair process.
• Provide updates on the progress of disputes and the status of items being addressed.
Credit Education and Guidance:
• Offer personalized advice on how to maintain a healthy credit profile moving forward, including tips for managing credit usage and avoiding future disputes.
• Help clients understand how their credit is reported and how to use the Metro 2 format to their advantage in future credit matters.
Follow-up and Re-Disputation:
• If necessary, re-submit disputes and escalate issues that have not been addressed adequately by creditors or bureaus.
• Ensure that any deletions or corrections are properly reflected across all bureaus to achieve maximum improvement.