How it Works

Getting Started

To get started with the credit repair process, we highly suggest that you begin with a Credit Audit and Analysis. Whether you plan to repair your credit yourself or hire us, you must know what's impacting your credit scores, what to challenge, and how to move forward with an aggressive game plan.

Our One-Time Credit Audit and Analysis fee is $149, and you must provide us with your Tri Merge credit report from IdentityIQ. We prefer that you use IdentityIQ due to compatibility with our software, and because of our partnership. IdentityIQ allows us to offer you a 7-Day Trial for only $1. (see our "Price Page" for promo.)

If you decide to sign up for our Credit Repair $79 monthly plan, you will need to pay an additional $21.99/month for IdentityIQ credit monitoring during the duration our of services.

After receiving your credit reports, we will carefully audit and analyze them to determine if there is a legal basis to challenge any items. We will provide you with a game plan that is specific to your credit situation and provide a realistic timeline for you to achieve the results you want. You decide whether you want to hire us to do the work or do the work your self with our VPCC Credit Repair Blueprint.

Do-it-Yourself or Hire us

You can start repairing your credit immediately with our VPCC Credit Repair Blueprint for $49. If you don’t have the time, the know-how, or confidence, we can provide our credit repair services for only $79 per month. We will go to work on your behalf challenging inaccurate, misleading and unverifiable information with the credit bureaus, creditors, and collectors.

Credit Bureau Disputes

Using our experience and consumer protection laws such as the FCRA, FDCPA, FACTA & the FCBA we create and mail custom dispute letters to each of the 3 major credit bureaus disputing unlimited items. Under Federal Law the credit bureaus are required to investigate. Each bureau is required to investigate each item by contacting the source that reported it.

Investigation

If the source fails to verify the item, it is deleted. If it is updated, something has changed and if it is verified; nothing changes. Regardless of the result, each credit bureau is required to mail an updated credit report with each completed investigation.

Violations Reported

In most cases, creditors and collectors have 30 – 45 days to complete their investigations and send the results. You will receive various responses which must be forwarded to us. Based on your individual situation and responses from previous disputes, we will identify possible law violations and if warranted, we will file complaints with the state attorney general, FTC and BBB.

Creditor Intervention

Based on the responses from the bureaus; typically, we draft up to 15 dispute letters and mail to creditors, collection agencies or any other furnisher that reported the information. Interventions include validation demands, goodwill letters, disputes and information requests. This is a time consuming and expensive process that most "credit repair" companies do not bother with however; we feel it is necessary.

Results

You will receive updated credit reports approximately 30 to 45 days later; individually from each of the 3 credit bureaus. You may upload to your online account, email, fax or mail the correspondence received in response to our disputes. We will review the responses, transfer the results into your online account and determine what is the next course of action will be.

Review

Based on your individual situation, previous correspondence, results and responses from all parties involved in previous disputes, we will determine the appropriate course of action and continue attempting to correct your credit reports. In most circumstances the process starts over by disputing with the credit bureaus, only more aggressively. Creditors, debt collectors and bureaus are usually resistant to conform to the law. It takes persistence and expertise to root out the inaccuracies and violations committed.

Repeat

The process is repeated, tenaciously with persistence until your credit file is completely accurate and free of mistakes, duplicates and false negatives. During the process at any time, we encourage you to call us to discuss special requests such as settlement offers for recent debts that have been deemed accurate and to discuss possible credit building optimization. When we have corrected everything believed to be inaccurate, outdated, questionable or unverifiable, our service department will contact you to close your account.

Sit Back And Relax

We do all the work and will be behind the scenes working hard to improve your credit. You will be issued login credentials granting you access to your own secure client portal where you can communicate, track progress and upload documents 24 hours a day, 7 days a week. The credit improvement cycle will repeat until your credit is fully restored. The credit bureaus can be extremely stubborn, but our experience has shown that a bit of persistence and pressure can often bring resolution to even the most complicated credit problems.

Credit Repair Services

Our goal is to improve your credit scores, and help you live life to the full. We will use laws and aggressive tactics, to correct, update or remove the following inaccurate, misleading and unverifiable items listed below

  • Late pays
  • Charge-offs
  • Medical bills
  • Tax liens
  • Account sold
  • Repossessions
  • Short sales
  • Authorized users
  • Foreclosures
  • Collection accounts
  • Bankruptcies
  • Duplicates
  • Identity Theft
  • Outdated
  • Child support

Our Commitment

  • Full Credit Audit – Experian, Equifax and TransUnion
  • No yearly contract. Pay as you go, Month-to-Month
  • 24/7 Secure Online Portal Access to track progress
  • Aggressive Credit Repair Tactics
  • Unlimited Disputes
  • Debt Validation
  • Straight Forward Prices
  • 90 Day Money Back Guarantee
  • Cancel Any Time
  • Toll Free Support