Credit reports are NOT generated by the government.
They are produced through private, for-profit corporations that do NOT have your best interest in mind. They have limited accountability to consumers and heavy political power. These corporations make money by selling your information regardless of any errors or negative items. We help you fight back!
Step 1: Send us your credit reports:
Your sales consultant will contact you to discuss your credit situation and repair needs. Next, your case manager will provide you with detailed instructions on how to obtain your credit reports from all three of the major credit bureaus. Once you obtain your credit reports, Waterfield Credit will provide instructions on how to forward them to us. When we receive your credit reports we will examine each of the reports and our legal team will prepare a custom "plan of action".
Step 2: Select items to dispute:
Once your credit reports are received, our staff enters all the negative information into our databases. Next, your case manager will contact you to select your disputes. You will indicate which items you deem to be inaccurate, misleading, or unverifiable. Waterfield Credit will dispute those items.
Step 3: Unleash the "credit hounds":
We begin the dispute process using our large number of credit report repair strategies and experience to challenge negative items directly with the credit reporting agencies. Depending on the number of negative items on your credit reports, this step will be repeated until the item/s are removed. In addition, you will receive additional legal interventions. We will also work directly with the problem creditors for faster results in improving your credit score.
Step 4: Put your feet up and relax:
The credit reporting agencies, by law, have 30 days to investigate your dispute. After this time, they must update your credit report and send a copy of your updated report to you. On average, it takes 60 days from the time we send the dispute's and the time you receive an updated report. Once you receive a response, make a copy and send Waterfield Credit the original. This cycle will repeat until all items are removed to your satisfaction.