Our Proven Process

A transparent, step-by-step approach to repairing your credit — built on FCRA expertise, legal frameworks, and 50,000+ successful cases.

Step 1 — Day 1

Free Credit Analysis & Consultation

We start with a comprehensive review of your credit reports from all three bureaus — Experian, Equifax, and TransUnion. Our certified credit analysts identify every negative item, error, and opportunity for dispute.

Pull and review all 3 credit bureau reports

Identify inaccurate, outdated, and unverifiable items

Assess your complete credit profile (accounts, inquiries, public records)

Calculate potential score improvement based on removable items

Create your personalized Credit Repair Action Plan

Explain your rights under FCRA, FDCPA, and state consumer protection laws

Step 2 — Days 2-5

Dispute Strategy Development

Based on your analysis, our team develops a multi-phase dispute strategy. We prioritize items by impact — removing the most score-damaging items first to maximize early results.

Prioritize negative items by score impact (highest-impact first)

Determine optimal dispute method for each item (bureau vs. creditor)

Draft customized dispute letters (never generic templates)

Prepare supporting documentation and evidence

Identify FCRA, FDCPA, and FCBA violations by creditors/bureaus

Set dispute calendar with 30/60/90-day follow-up milestones

Step 3 — Days 5-35

Dispute Submission & Processing

We submit your disputes to the credit bureaus and/or directly to creditors via certified mail. Each dispute is tracked with a unique case number, and we maintain a chain of custody for every document.

Submit disputes via certified mail with return receipt (proof of delivery)

Send simultaneous disputes to all relevant bureaus and data furnishers

File debt validation requests under FDCPA Section 809

Send goodwill letters for legitimate but removable items

Track each dispute with unique case IDs in your dashboard

Bureaus have 30 days to investigate and respond (FCRA Section 611)

Step 4 — Days 35-45

Response Analysis & Escalation

When bureau responses arrive, we analyze every result. Verified items get escalated with stronger evidence. Deleted items are confirmed. Incomplete responses are challenged with FCRA violation notices.

Review all bureau investigation results

Confirm deletions and score improvements

Escalate unresolved disputes with additional evidence

File CFPB complaints for non-responsive bureaus or furnishers

Send Method of Verification (MOV) requests when disputes are verified

Initiate Round 2 disputes with new legal angles

Step 5 — Ongoing

Ongoing Monitoring & Optimization

Credit repair isn't a one-time event. We run multiple dispute cycles (typically 3-6 months), continuously monitoring your reports and adapting our strategy as items are removed and your score climbs.

Multiple dispute rounds until all removable items are addressed

Monthly credit report re-pulls to track progress

Credit building recommendations (secured cards, authorized users)

Utilization optimization coaching

Real-time dashboard updates with score tracking

Graduation planning — when to transition to credit monitoring only

Legal Frameworks We Use

Your disputes are backed by federal consumer protection law

FCRA

Fair Credit Reporting Act

Requires bureaus to investigate disputes within 30 days and remove unverifiable items.

FDCPA

Fair Debt Collection Practices Act

Requires collectors to validate debts upon request. Protects you from harassment.

FCBA

Fair Credit Billing Act

Protects against billing errors and unauthorized charges on revolving credit accounts.

CROA

Credit Repair Organizations Act

Ensures transparency and protects consumers from fraudulent credit repair practices.

Ready to start your credit repair journey?

Your free analysis takes just 5 minutes. No credit card. No obligation.

Get My Free Analysis

Disclosure: The process described above is an overview of our credit repair methodology. Timelines are estimates based on historical client data; actual timelines depend on credit bureau investigation periods (typically 30 days per FCRA Section 611), creditor response times, and complexity of your credit profile. You have the right to dispute inaccurate information yourself at no cost by contacting the credit bureaus directly. TrustScore Credit Repair does not guarantee specific outcomes. Under the CROA, you may cancel within 3 business days. See Terms of Service and Legal Disclaimers.