Credit Repair Results
Because of the numerous factors that make up the credit score, it is impossible to give you an accurate prediction of how much your score will increase.
The Credit Repair Organizations Act makes it illegal for us to promise any specific result. However, Scoreology is committed to telling you the truth. We are committed to educating you, and allowing you 24/7 access to your account information. We promise our efforts, education, and commitment to your satisfaction.
Credit Repair Results
Why use Scoreology?
We get a lot of calls from folks that have tried to repair their credit on their own. Some have had success, others have not.
Credit Repair does take diligence and persistence. The lion’s share of folks who find the process useless or ineffective are doing electronic disputes. Possibly they have enrolled in one of the on line credit score monitoring services that are readily available to consumers. Then they find there’s a button on the monitoring service that says ‘Dispute‘… and they click it.
What they don’t realize – and what the bureaus don’t tell you – is that you are waiving some of your rights when you click that seemingly innocuous button.
One of the more important rights you lose is your ability to request the Method of Verification (MOV). The MOV is what we use to ensure that the bureaus are, in fact, following the law. That they are doing their jobs, as opposed to simply stating ‘verified’ (which they have been known to do).
Another very important step in the process that is omitted when you electronically dispute an item is that you receive no paper trail. Therefore, there’s nothing on paper that would prove that you’ve disputed anything. This is why we issue letters to the bureaus in the mail. Issuing a letter forces the bureaus to respond by mail. Those responses tell us a great deal about the account.
How We Can Help
Scoreology has several clients who we have transitioned to the Consumer Financial Protection Bureau. We’ve been able to determine that this can be a very effective process in resolving errors that continue to show up on your credit report. However, it is also very helpful in such cases to “build a body of work”. Meaning the “paper trail” or “evidence”. This “body of work” will be presented to either the Attorney General, the CFPB, the Consumer Watchdog Group, the FTC or what ever agency would be best suited to investigate Fair Credit Reporting violations.
This is a streamlined way to communicate with the bureaus that ensures verification and validation. Scoreology has the diligence and persistence to follow through on your behalf.