We thoroughly review your Consumer Credit profile: We begin your services by obtaining your credit file and reviewing it with you, identifying items that are hurting your credit score, and advising you on ways to build up positive credit.  Then we get to work repairing negative items on your file, while you begin to work to establish new, positive credit.  After this, the Credit Bureaus will start to send you updated credit reports, usually within one to two months after we've started your services.

Our Advanced 4 Step Process:

Step 1: Send us your credit reports - You will first forward a current copy of your credit report. The cycle continues when you receive updates in the mail from the credit bureaus.  These letters will contain your updated credit reports.  When you receive them, forward copies to us immediately.  Keep in mind that the credit bureaus will only correspond directly with you; without receiving these updated reports we have no way of knowing which items were removed successfully.

Step 2: We identify which items to dispute - Once your credit reports are received, our staff enters the information into our proprietary software system.  Using our computer application, we help you identify items to dispute.  Then those items are targeted first, in order to achieve the best results.

Step 3: Advanced Credit works your case - Advanced Credit begins the dispute process by drawing upon its vast arsenal of credit report repair strategies and experience to challenge negative items directly with the credit bureaus.  Depending on the number of negative items on your credit reports this step will be repeated for each subsequent loop through out the process.

Step 4: Sit back and relax - The credit bureaus have 30 days to investigate your dispute.  After that, they must inform you of the results of their investigation, update your credit report and send you a copy of the updated report.  It usually takes 60 days between the day we send a dispute, on your behalf, to the credit bureaus and the day you receive an updated report.  When you receive a response from a credit bureau, make a copy of updated report for your records, and then send the original to Advanced Credit Concepts to move your case forward.  Thus the cycle begins again, this time hopefully with fewer negative items on your credit report!