Dispute Derogatory Items. Boost Your Credit.
Tinae's Financial Group uses a 3-step system in order to dispute and challenge derogatory items on credit reports. We are NOT a "credit repair" company. We are a team of experts dedicated to improving lives. Each of our agents are college graduates possessing AT LEAST a Master's Degree further validating industry knowledge and experience.
***Note: We are paid a commission for recommending products and services that are provided by CreditCardBroker.
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01
We start the process by gathering personal information from the client along with ensuring that they can access their credit disputing profiles online.
03
We wait 30-days for the responses. It is highly recommended to opt-in to USPS Informed Delivery to verify when you receive mail to expedite the process, especially those who work and/or commute far from your mailing address.
05
If further information is required then we perform a deep dive into contracts, agreements, provisions, clauses, cancellation policies, and more. This ensures that we properly point out any FCRA violations if necessary.
07
If the bureau decides not to honor our dispute then we escalate the issue to the Federal Trade Commission (FTC) and Consumer Finance Protection Bureau (CFPB). We have had extreme success escalating issues above the Credit Bureaus.
02
We create debt validation letters for EACH account listed in collections &/or derogatory status. We mail the documents to each of the corresponding agencies.
04
Once we receive the response from the collection agencies, we respond with our rebuttal and forward interactions to each of the three credit bureaus for further investigation.
06
We wait for the credit bureau's decision.
08
We wait for feedback from the FTC and CFPB.
