The Federal Trade Commission and Consumer Credit Protection Act have enacted hundreds of regulations that credit reporting companies, collection agencies and credit bureaus must comply with in order for any reported item to remain on your report. When Credit Restore Team receives your file, a skilled credit analyst reviews your reports to determine which items can be challenged that when removed will result in an improved credit score. Credit Restore Team then challenges derogatory items, with a letter demanding the reporting company prove that they are in compliance with the laws and regulations and remove the challenged item. This process is repeated with each of the three major reporting agencies.

Within 60 days  the credit reporting companies respond with a verification or deletion summary that shows the results of each dispute. Overall average success rate is between 85% and 95% of unverifiable derogatory items removed. The items that tend to be removed first are those that are the most harmful to  your credit, such as bankruptcies, tax liens, judgments, charge-offs, repossessions, student loans. While the full process takes up to six  months, many clients see enough improvement their score to allow them to qualify for a mortgage or low interest car loan in as little as 45 to 90 days.