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Declined, or found something you do not recognise.

Standing by you

What happens after a result arrives, including the results nobody wanted.

Duration: As long as the file is open. Priced from scope, invoiced on delivery of each named output.

Sequence

  1. the day it landsA call, and the letter forwarded to you in full. Including when the answer is verified.
  2. within a weekAn honest view on whether asking how they verified it is worth doing on your item. Often it is not, and we will say so.
  3. if you ask themThe request goes out and starts its own fifteen day clock under FCRA 611(a)(7). Not billed.
  4. if you still disagreeHelp writing your hundred word statement of dispute, which goes on the file in your own words. Not billed.
  5. at the endThe whole file in one email: every letter, every reply, every date.

What this is not

Scope is easier to hold when the exclusions are written down at the start rather than argued about in week four.

  • A second round sold automatically. If there is nothing left worth disputing we will tell you and stop.
  • Litigation. If your situation has become a legal one, that is a consumer lawyer and we will say so.

It ends with: The complete file, and a straight recommendation about whether to do anything else at all.