The credit repair process and what happens when a dispute is submitted. In my opinion, this topic brings the most frustration to a person

By: Tyler Roberts

I will begin by giving you an example to illustrate what I speak of.
I have a good number of years of experience at this job.. Most of our clients don’t understand the true credit repair process. Since so scam tactics that advertise falsely abound on the internet, knowing what is real and what is fake can be very difficult.. Just so you know 9 out of every 10 credit repair companies out there are scams
. We are very proud to not be involved with those companies. This does make it harder for my company to get the word out to everyone that we are the real thing and we are here to truly help you.
So, with all this confusion it is easy for the average person to not have a clue how this works. We will now tell it like it is at last:
A fresh client enters into our service. They should be are excited.. The first couple of months go by (sometimes sooner) and he/she sees some good results and then something happens. The person begins to receive these letters that consist of one page in the mail.. These are called “Stall Letters�. They give such useless papers only to tease you.. At first, this isn’t a problem but if he/she starts receiving these letters frequently it really does start to make them think twice about our service and if we can really do the job as promised.
What is really going on when this happens is this:
Let’s go one step further. I want to draw a sketch in your mind about its modus operandi.. When we submit the client disputes to the credit companies, they will be delivered to a customer service agent along with a HUGE stack of other disputes. They will be placed on top of their desk at the beginning of the day. By the end of the day, that stack of papers must be gone or their job is at risk. If by the end of the day they still have some papers left, they are going to do one of two things:
1. They may head home for the day but not before trashing the rest of their reports.. If they do this you will not receive anything from them in the mail.

Or…
2.- They will just mark each item on each report “Verified� and send it right back to you without even trying to check with the creditors you are disputing.
Keep in mind that both of these methods are highly illegal. The FTC is supposed to take care of this, but they could not care less. It's like if you rob a bank and the police do not care about catching you, you will get away with it.
This is the best example I can give on how the FTC operates.. They let a lot of things slide and you can't do anything about it but try again.

Realize that I said try again! Sometimes this process can take awhile and everybody needs to understand that.. The credit bureau’s have the control at the end of the process and if they don’t do their job then it makes us look bad but in reality, we have done our job completely yet the credit bureau’s still made us look bad.
This is why I tell people time and time again, “Do not wait until the last minute to repair your credit!� You never know what is going to happen.
If this information alone was common knowledge to people before they started credit repair, they would not get discouraged very easily and the definitely would not question the methods being used. With that said, keep in mind that we have never had a single item that we have not been able to successfully remove from a credit report to this date
. There isn’t a single company out there that can compete with that because they can’t even remove 100% of the negative items to begin with like we can.
So what is the solution? Honestly, the solution is to try again just like I said before. If they do this on your first try, you can eventually, by making multiple attempts, get your paperwork submitted to a customer services agent who knows what they are doing and your items will be deleted.
That is all, people.. You can't hear this information from anywhere else only from me.. You might ask yourself, “Tyler, why won’t any other credit repair company tell me this so I would stop bothering them about my report not getting done?� Well, because they usually are charging monthly payments and the last thing they want you to know is that you might be paying again next month. Let's get real, you are not going to keep on paying month after month for a service that does you no good at all, are you? You know what I'm talking about.. If it were me, I would go to each month believing with all my heart that my report is going to be clean this month and I’m not going to have to pay them ever again. Unfortunately, when you go with a company like that, these are common practices. As a matter of fact, a service that will bill you for a set amount each month will not argue about every item on your credit report each and every month.. They will purposely try to delay it in order to receive the next monthly payment they know you will make to them.. It is not required by anybody to make use of our services which is not said by me.. I implore you to be vigilant about what you can find out there.. We have too many clients right now who have spent as much as $5,000.00 being scammed before they found us.
So that is the honest to god truth about the credit repair process and what happens when a dispute is submitted.
You will not find this information anywhere on the internet. It is completely unique and “behind the scenes� knowledge and you heard it from me first at Guerilla Fico. This makes us the best.
Thank you for reading and I hope that this information will be useful for you.

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