J.L. Taylor & Associates Offers a Comprehensive Multi-Stage Credit Repair Process That Allows us to Obtain the Best Results for Our Clients.
Step 1. FREE CREDIT REPORT EVALUATION
One of our associates will look at your TransUnion, Experian and Equifax credit reports and go over them with you line by line. (If you don’t have your current reports we can pull them instantly for you.)
Step 2. CUSTOMIZED CREDIT REPAIR PLAN
If you decide that you would like to proceed with our program, one of our qualified associates will put together a plan of attack to get your erroneous, fraudulent, unverifiable negative or incorrect items corrected or deleted from your credit reports in accordance with the FCRA, HIPAA, FCBA and other consumer laws.
Step 3. INVESTIGATE AND DISPUTE
You will begin to receive correspondence from credit reporting agencies within the first 30-45 days. Simply send any correspondence to us using the labels we provide to you in your welcome packet.
Step 4. REVIEW YOUR PROGRESS
You can monitor our efforts and success by calling any one of our associates for an update. You will also have access to our credit education programs and webinars. You can rest assured knowing that everything possible will be done to help you reach your credit goals.
Step 5. ENJOY YOUR RESULTS
We have a dedicated staff able to assist with your future financial needs. We can provide advice and information on how best to manage your current credit to maximize the impact of your qualifying ability. We also have many avenues to help you get the lines of credit you want/need!
Consumer Credit Protection
We demand validation and verification of derogatory information using the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, the Fair and Accurate Credit Transaction Act and the Health Insurance Portability and Accountability Act. These four laws have been established to protect consumers’ credit reports.
Creditors and credit bureaus are legally obligated to produce documented evidence within a reasonable amount of time, generally 30 days, to back the claims they make. If they cannot validate their claims, they must promptly remove any undocumented information from the consumer’s credit report.