Our Process
Effective credit repair requires a thorough knowledge of the Fair Credit Reporting Act (FCRA). This monumental piece of legislation protects consumers by defining their rights along with the credit bureaus’ legal responsibilities. It also includes additional protections for victims of unauthorized activity, such as data breaches and synthetic identity theft.
At The Credit Brains, our Restoration Specialists have an in-depth understanding of this complex and extensive legislation. That’s why we’re able to deliver the Results-First Deletion-Based services our clients deserve.
Who We Work With
- Our process involves pressing the credit bureaus to verify or delete entries relating to unauthorized accounts, using powers set out in the FCRA.
- Section 605B and others provide robust protections for individuals who’ve identified unauthorized accounts in their credit reports.
How We’ll Fight for Your Rights
Dispute
Once you confirm the deletion targets, we'll begin sending well-formatted, attorney-drafted dispute letters, citing the relevant statute(s) where needed.
Why This Matters:
The high quality of our correspondence sends a clear message to the credit bureaus' analysts – who may spend less than 15 seconds assessing each case.
Wait
Our work cycles are structured to allow the credit bureaus time to receive, assess, and respond to each dispute.
Why This Matters:
When the dispute process is executed correctly, the law requires the bureaus to verify or delete disputed items within a fixed timeframe. This timeframe is typically 30 days, but can be as short as 4 days in certain circumstances. Understanding this allows us to maximize the pressure on the bureaus.
Escalate
After the initial dispute, we'll assess our overall progress and decide on the next step. However, instead of resending the same letters, we'll escalate our communications by using more forceful language and, where possible, citing different statutes at each stage.
Why This Matters:
Credit repair can become a war of attrition, but our expertise, professionalism, and persistence allow us to take on the bureaus and win!
Laying a Paper Trail
As we progress through each step, we take care to lay a clear paper trail. If your situation involves unauthorized accounts, this begins by notifying the FTC of your intention to raise a dispute with the credit bureaus. In this case, a copy of your correspondence will be included with each submission to the bureaus.
We're Always Here For You
We’ll touch base with you at regular intervals throughout the deletion process. Of course, you’re always welcome to reach out with any questions you might have.
Free Credit Audit*
$1 trial and receive 7 days free credit monitoring. Required for Credit Audit Report
Negative Account Summary
Your audit report will include an
easy-to-understand Negative Account
Summary – highlighting the negative issues
damaging your credit score.
Consultation Call
During the initial call, you can speak to our team about any questions or concerns you might have. We also recommend you tell us about any accounts or items you would like excluded from the dispute process
You Pay For Results
We've said goodbye to monthly pricing. At The Credit Brains, we utilize a Results-First Deletion-Based System where you pay for account removals only after we've already succeeded. On top of that, our enrollment fee is only $99!
Our Work Begins
Once you've determined what you'd like deleted, we'll begin preparing the necessary documentation. We use our knowledge of the Fair Credit Reporting Act to challenge the bureaus to verify or delete the agreed entries in each of your credit reports.
Guaranteed Results
Our Deletion-Based Membership Guarantees 1st Round deletions or 100% Enrollment Fee Refund. Plus an Additional $99 for trying our service!
Free Credit Audit*
$1 trial and receive 7 days free credit monitoring. Required for Credit Audit Report
Negative Account Summary
Your audit report will include an
easy-to-understand Negative Account
Summary – highlighting the negative issues
damaging your credit score.
Consultation Call
During the call, you can speak to our team about any questions or concerns, and tell us about any accounts that should be excluded from the dispute process
A Bespoke Quote
There’s no need to accept one-size-fits-all pricing; after confirming which entries require challenging, we’ll provide a bespoke quote that reflects your unique circumstances.
Our Work Begins
Once you’ve accepted our quote, we’ll begin preparing your documentation – challenging the bureaus to verify or delete the agreed entries in your credit reports.
Guaranteed Results
We typically perform up to 4 rounds of disputes and work toward clearly defined minimum deletion targets. For your peace of mind, these deletion targets are set out in our guarantee, which is explained on our homepage.
Free Credit Audit*
$1 trial and receive 7 days free credit monitoring. Required for Credit Audit Report
Negative Account Summary
Your audit report will include an
easy-to-understand Negative Account
Summary – highlighting the negative issues
damaging your credit score.
Consultation Call
During the call, you can speak to our team about any questions or concerns, and tell us about any accounts that should be excluded from the dispute process
A Bespoke Quote
There’s no need to accept one-size-fits-all pricing; after confirming which entries to the challenge, we’ll provide a bespoke quote that reflects your unique circumstances.
Our Work Begins
Once you’ve accepted our quote, we’ll begin repairing your credit – challenging the bureaus to verify or delete the agreed entries in your credit reports.
Guaranteed Results
We typically perform up to 4 rounds of disputes and work toward clearly defined minimum targets. For your peace of mind, these targets are set out in our guarantee, which is explained on our homepage.
Free Credit Audit*
$1 trial and receive 7 days free credit monitoring. Required for Credit Audit Report
Negative Account Summary
Your audit report will include an
easy-to-understand Negative Account
Summary – highlighting the negative issues
damaging your credit score.
Consultation Call
During the call, you can speak to our team about any questions or concerns, and tell us about any accounts that should be excluded from the dispute process
A Bespoke Quote
There’s no need to accept one-size-fits-all pricing; after confirming which entries to the challenge, we’ll provide a bespoke quote that reflects your unique circumstances.
Our Work Begins
Once you’ve accepted our quote, we’ll begin repairing your credit – challenging the bureaus to verify or delete the agreed entries in your credit reports.
Guaranteed Results
We typically perform up to 4 rounds of disputes and work toward clearly defined minimum targets. For your peace of mind, these targets are set out in our guarantee, which is explained on our homepage.
Free Credit Audit*
$1 trial and receive 7 days free credit monitoring. Required for Credit Audit Report
Negative Account Summary
Your audit report will include an easy-to-understand Negative Account Summary. This document will highlight all the negative issues that are currently damaging your credit score.
Consultation Call
During the initial call, you can speak to our team about any questions or concerns you might have. We also recommend you tell us about any accounts or items you would like excluded from the dispute process
You Pay For Results
We've said goodbye to monthly pricing. At The Credit Brains, we utilize a Results-First Deletion-Based System where you pay for account removals only after we've already succeeded. On top of that, our enrollment fee is only $99!
Our Work Begins
Once you've determined what you'd like deleted, we'll begin preparing the necessary documentation. We use our knowledge of the Fair Credit Reporting Act to challenge the bureaus to verify or delete the agreed entries in each of your credit reports.
Guaranteed Results
Our Deletion-Based Membership Guarantees 1st Round deletions or 100% Enrollment Fee Refund. Plus an Additional $99 for trying our service!
Change Your Score, Change Your Life
The Credit Brain