At Smart Dispute, we use a compliant and strategic approach to help clients legally repair their credit by addressing inaccuracies, outdated information, or unverifiable items on their credit report. Here’s how our process works:
- Comprehensive Credit Analysis: First, we obtain your credit report from all three major credit bureaus (Experian, Equifax, and TransUnion). Our team carefully analyzes each report to identify any potential errors or inconsistencies that may be negatively affecting your score.
- Targeted Disputes: Based on this analysis, we identify items that may be legally disputed under the Fair Credit Reporting Act (FCRA). The FCRA grants you the right to challenge any information on your credit report that is inaccurate, incomplete, or unverifiable. Our team files these disputes on your behalf, ensuring each is well-documented and adheres to legal standards.
- Customized Dispute Strategy: We create a personalized dispute plan for you, prioritizing the most impactful items. This strategic approach helps maximize the effectiveness of each dispute by focusing on items that can bring significant improvement to your score while minimizing the risk of “frivolous” designations from the credit bureaus.
- Communication with Creditors and Collection Agencies: When needed, we also reach out to creditors and collection agencies directly to negotiate or settle certain accounts. This process can sometimes result in the removal of negative entries and further support your credit repair efforts.
- Ongoing Compliance and Support: Throughout the credit repair process, we stay up-to-date with evolving credit laws to ensure that every action we take on your behalf is fully compliant and designed to protect your rights as a consumer. Our knowledge of credit laws and reporting standards allows us to navigate complex situations effectively and responsibly.
Important Note: We focus on correcting inaccurate information, which is a legal approach to credit repair. It’s important to understand that even items that initially appear accurate may contain reporting inaccuracies, such as incorrect charge-off dates, date of delinquencies, or amounts owed. Under credit law, if an item is not 100% accurate, it must be corrected or removed. While removing accurate, negative information purely to improve your score isn’t possible, our thorough review often uncovers these reporting errors, helping you achieve a cleaner, more accurate credit profile.
At Smart Dispute, we’re committed to helping you repair your credit legally, effectively, and with integrity. Our professional approach is designed to support you every step of the way, so you can confidently work toward better credit and a brighter financial future.