The full Credit Analysis

• This service is ONLY for clients whose credit is extremely important.

Each credit bureaus reports different data and is scored by different Fair Isaac formulas.  I manually copy/paste each derogatory account to the private forum, review the reporting for inconsistencies, determine what really happened and draft the appropriate dispute.  Most charge-offs are reported with incorrect data by at least one credit bureau, often seriously lowering the FICO scores.

I also analyze the FICO score factors, open accounts and inquiries prior to drafting disputes and making recommendations.  Because there is no software to automate many of these tasks, it is extremely time consuming.

You will also have to make time to answer my questions, mail the disputes I drafted and provide all investigation results, collection letters and summaries or recordings of collection calls.

• You must be a CreditFactors subscriber. I post links to specific posts and since I charge by the hour, it is much more cost efficient for you to read the recommended knowledgebase articles instead of me explaining everything to you personally.
• You must provide me with online access to your myFICO reports.

Since myFICO no longer provides Experian reports, you need to obtain the Experian report from Experian or through a free trial subscription.    You may also need the Equifax or Trans Union direct reports, depending on your specific problems. You will need to order new myFICO reports after the credit bureaus completed their investigations for the followup review, analysis of the changes, recommendations and/or 2nd dispute drafts.

I can NOT work with tri-merged and other incomplete reports – they do NOT contain all data utilized by FICO scores and score factors.

I provide you with the login info for your private forum and instructions for SECURE submission of your personal data and credit report login information within 24 hours of your order.

I’ve had clients who did not want me to know who they are and who provided their reports with redacted data, but this option is not available to Credit Activists as I do not have “personal” knowledge of the reporting.

• Turnaround time is usually no more than a week.

If I expect it to take longer, I post an announcement at the top of this page. I can only work with one new client at a time and I’m often busy with my litigation.

• After my initial Analysis, you must be willing and able to answer my questions.

Please provide a brief summary and briefly describe any problem accounts and previous disputes.

Knowing about your situation when I first review your reports will save time.

• It is most cost efficient to wait with subsequent reviews until all credit bureaus completed their investigations.

You can either fax or provide the scanned results as tif or pdf file as soon as you receive them. However, unless you are facing a deadline, I recommend waiting to review the results until you have all results, as it takes a lot less time.  My brain is no hard drive. Once I’m working with another client, I clear my mind of your accounts and problems and I actually have to read the postings about your credit and obviously that takes time.

• Fax or post collection letters ASAP.

I recommend providing all communications from debt collectors immediately and posting summaries or recordings of collection calls so that appropriate notices can be mailed right away.

• If the CRAs refuse to correct data, I can provide you with an affidavit to include with your 2nd disputes.

You can request reimbursement of my fee. It’s unlikely that they’ll pay prior to being served with the summons and complaint, but it may help get corrections.

• Credit Activist discount

You receive a 50% discount off my hourly fee in exchange for allowing me to use your credit reports or collection letters without your personal identifying data to document violations as described in detail at Credit Activists.

• The cost depends on how many hours I work on your behalf.

Of course it depends on the number of derogatory accounts, whether you have any legitimate disputes, your communication skills, your willingness to read recommended articles, how promptly you answer my questions and of course on how many questions you have.

On average, it takes about 10 hours to get through the process for clients with A FEW derogatory accounts.

I spend about 5 hours on the initial Credit Analysis, discussion and preparing the dispute drafts.  Then it takes about another 5 hours to review the credit bureaus’ investigation results, review a new set of FICO reports and explain the various options to deal with the likely incorrect verifications and either drafting 2nd disputes, providing you with an affidavit if you want to sue or attach it to your disputes and/or long term recommendations for the highest possible FICO scores.

If you have more than 6 derogatory accounts and/or collectors are actively collecting, this will probably NOT be enough time and you should expect to have to order additional hours.

If you need to settle accounts and you don’t need to submit disputes, one settlement is included with the initial 5 hour Analysis.

Please have a look at the new FAQ for CreditFactors and my services for additional information.

ORDER

Please order your reports with the FICO scores PRIOR to ordering the Credit Score Analysis to make sure that your reports aren’t blocked.

$900 Credit Analysis (10 hours) (Credit Activist):

$1,800 Credit Analysis (10 hours) (no publication):

5 hours of consulting time for clients with only 1 or 2 derogatory accounts

Obviously, everything takes a lot less time with fewer accounts and if you only have 1 or 2 derogatory accounts or you’re mainly looking for strategic advice, whether to increase FICO scores or to prepare for bankruptcy, this service is for you.

This service can also be used to order for 5 hours of additional consulting time by existing clients.

$500 Credit Analysis (5 hours) (Credit Activist):

$1,000 Credit Analysis (5 hours) (no publication):

Additional Consulting Hours

Only for existing clients!

$200 Credit Consultation (2 additional hours) (Credit Activist):

$400 Credit Consultation (2 additional hours) (no publication):