Credit Report Collection and Review:

• Obtain credit reports from all three major credit bureaus (Equifax, Experian, and TransUnion).
• Carefully review the reports to identify any errors, inconsistencies,

or outdated information that could negatively impact the credit score.

2. Dispute Inaccuracies:

• Prepare and send dispute letters to the credit bureaus to

challenge any inaccuracies found in the credit reports.

• Follow up on disputes and ensure that incorrect information is corrected or removed.

3. Negotiate with Creditors:

• Contact creditors directly to negotiate on issues like

late payments, charge-offs, and collections.

• Attempt to settle debts for less than the reported balance or

restructure payments to make them more manageable.

4. Improve Credit Habits:

• Educate clients on effective credit management

strategies such as timely payments, maintaining low credit balances, and avoiding new hard inquiries.

• Offer guidance on building a healthier credit mix and

increasing the age of credit accounts.

5. Regular Monitoring and Adjustment:

• Monitor credit reports and scores regularly to watch for changes and ensure that the credit repair actions are having the desired effect.
• Adjust strategies as necessary based on ongoing results and client goals.