Phase 1 — Eligibility, agreement and report review

Before personalized work begins, we confirm service availability, provide the required separate disclosures and signed agreement, and wait through the applicable cancellation period. You then obtain your own reports from AnnualCreditReport.com. We compare the reports with your records to flag possible inaccuracies:

• Possible duplicate or mixed files, and accounts you do not recognize
• Items reported past their legal time limit for appearing
• Balances, dates and payment histories that do not match the source records
• Unrecognized inquiries that need context about who requested your report
• Collection dates or ownership that appear inconsistent with your records

The proposed action plan identifies each potential discrepancy, the reporting bureau, supporting facts and any unanswered questions. An unfamiliar or negative item is not automatically inaccurate. You can correct our understanding or decide not to dispute.

Phase 2 — The guided dispute session

With client-authenticated assisted filing, you review drafts outside the bureau session, one item at a time:

• You sign in to your own bureau account — you keep control of your identity and your logins.
• We ask about the facts of each item. You can answer, correct, skip or select “not sure.” Your authenticated browser session stays private.
• We prepare factual drafts and organize relevant evidence. You enter the information in your own browser, verify the actual content and attachments, and submit from your account.
• You provide the confirmation and a record of what was actually submitted. An uncertain submission is checked before another attempt.

Timing depends on the service waiting period, your evidence and bureau availability. We do not control your bureau account or collect passwords, verification codes or session cookies.

Phase 3 — Certified mail where it counts

Our proposed certified-mail backbone provides a documented option when you prefer mail or a portal cannot accept your issue or evidence. You approve the exact letter and attachments before dispatch. We retain that packet with mailing and delivery records; a receipt alone does not prove what was in the envelope. Certified mail is a choice, not a requirement for every dispute.

Phase 4 — Follow-up, escalation and coaching

We review each response and document corrected, deleted, unchanged and unresolved items separately. Further disputes need a remaining factual issue, new evidence or an investigation concern. Gated escalation follows the current complaint requirements; a closed bureau dispute can qualify without an automatic 45-day wait. We do not promise that a creditor must investigate a letter prepared by a credit repair organization. Legal questions and urgent identity-theft cases need specialist help.