After signing up, we will then contact you and discuss all three bureaus credit reports. We work with you on devising an action plan for things you can do to maximize your credit profile; simple adjustments to the way accounts are being reported can have a massive impact on your overall credit score, and profile. We educate you every step of the way on positive and negative credit so you know how to manage your credit long after your time with us.
We review all three-credit reports we then attack the items that are potentially reporting incorrectly, items that are outdated, unverifiable, misleading, merged, inaccurate, or questionable.
We assist in the correspondence needed to interact with the major credit bureaus and creditors. R&R Financial Group is a credit repair company that will work directly with your creditors to remove or correct these questionable negative items from your credit report. During the entire process, we are documenting everything.
When we discover violations of the FRCA (Fair Credit Reporting Act), FDCPA (Fair Debt Collections Practices Act), FCBA (Fair Credit Billing Act), HIPAA (Health Insurance Portability and Accountability Act) and RESPA (Real Estate Settlement Act) we fight for your rights and help negotiate a fair and equitable settlement or deletion of the account for you and your credit report improvement by drawing upon our vast arsenal of credit report repair strategies to challenge questionable items directly with the data furnishers
The credit bureaus by law have 30 to 45 days to investigate your dispute. After that, they must inform you of their results and send you a copy of your updated report. When you receive a response from a bureau, it is important to forward each updated report or letter to us so we can track questionable items to see if they were deleted or contain a violation. Attention to detail is the name of the game, these creditor companies are built is such a way that continuously violate the law or just chose to do so on a daily bases because they don’t care or because they make more money doing it the wrong way then doing it the right way.
Letter violations are very common with debt buyers along with false and misleading information. The FDCPA says that it must be written so that the least sophisticate consumer would understand it. Confusing or misleading information is a violation of the Fair Debt Collection Practices Act. Letters that are made to look like they come from a law firm or look as if they are check are some of the most common. Other common violations in letters are giving a ten-day demand and threating to do something and then two weeks later doing the same thing. It is a violation to say or threaten to do something they do not intend to do; such as threaten suit when they cannot or do sue for such accounts. Remember if you are reading a collection letter pay very close attention to dates and creditors listed as you can find violations. In addition, if you are having a hard time understanding it more than likely it does violate the law. With this information, we will update your account and send you a new email with your progress. Depending on the number of questionable items on your credit reports, this step will be repeated for each subsequent cycle.
The most important part is that everything we do to raise your score is 100% legal and governed under the Credit Repair Organizations Act.