Steps to Success

Step 1: Forward your credit reports.
You begin each cycle by forwarding your copies of your credit reports from all three of the major credit bureaus to us. Keep in mind that the credit bureaus will only correspond directly with you, not your credit repair agency. Without receiving these updated reports, we have no way of knowing which items were removed successfully. Updated reports should be mailed to our office, not faxed or emailed (see the sidebar for more information.)

Step 2: Choose which items to dispute.
Once your credit reports are received our staff enters the information into our database.

Step 3: Restoring The Years Credit Repair works your case.
Restoring The Years begins the dispute process by drawing upon its vast arsenal of credit report repair strategies and experience to challenge negative items directly with the credit bureaus. Depending on the number of negative items on your credit reports this step will be repeated for each subsequent loop through the cycle.

Step 4: Sit back and relax.
The credit bureaus have 30 days to investigate your dispute. After that, they must inform you of the results of their investigation, update your credit report and send you a copy of the updated report. It usually takes 30 days between the day we send a dispute and you receive an updated report. When you receive a response from a bureau, make a copy of the updated report for your records then send the original to Restoring the Years Credit Repair to move your case forward. Thus the cycle begins anew, this time hopefully with fewer negative items on your credit report

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