Our Process

Effective credit repair requires a thorough knowledge of the Fair Credit Reporting Act (FCRA). The act protects consumers by defining their rights – and the credit bureau’s legal responsibilities. It also includes additional protections for victims of unauthorized activity.
At The Credit Brains, our Restoration Specialists have an in-depth understanding of this complex and extensive legislation.

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 (including powers under Section 605B).
  • Section 605B provides robust protections for individuals who’ve identified unauthorized accounts in their credit reports.

How We’ll Fight for Your Rights

Dispute

We’ll start by 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 properly executed, 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

We’ll assess our progress after our first round of disputes. If we haven’t met the minimum target set out in our guarantee, we’ll process further disputes. 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 allows us to take on the bureaus and win!

Laying a Paper Trail

As we progress through each step, we’ll lay a clear paper trail:

  • This begins by notifying the FTC of your intention to raise a dispute with the credit bureaus; a copy of your correspondence is included with each submission to the bureaus.
  • Whereas many credit repair companies minimize their expenses by using regular or bulk mail services, we’ll send each dispute via Certified Mail, with a return receipt requested.

Always Here for You

We’ll touch base with you at regular intervals throughout the process, and you’re always welcome to reach out with any questions you might have.

Get In Touch    >

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 Membership Rate that reflects your unique circumstances.

Our Work Begins

Once you’ve accepted our quote, we’ll begin preparing your documentaton – challenging the bureaus to verify or delete the agreed entries in your credit reports.

Guaranteed Results

Our Pay-Per-Delete Membership Guarantees 1st Round deletions or 100% Enrollment Fee Refund and our Fixed-Rate Membership Guarantees unlimited challenges until we achieve a minimum of 80% deletions.

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 – 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 requite challenging, we’ll provide a Bespoke Membership Rate 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

Our Pay-Per-Delete Membership Guarantees 1st Round deletions or 100% Enrollment Fee Refund and our Fixed-Rate Membership Guarantees unlimited challenges until we achieve a minimum of 80% deletions.

Change Your Score, Change Your Life

A stronger credit score could lead to a brighter financial future. Take the first step on that journey by requesting a free credit audit*.