What is the credit repair process like with EZ Choice Credit Repair?
EZ Choice Financial is an ethical credit repair company built on transparency and dedication to serve our customers. Other credit repair companies give consumers a vague and general idea about their credit repair process (e.g. : 1- check credit, 2- signup, 3- results) .
At EZ Choice Financial we believe that you the consumers are entitled to know more details about the credit repair process! So here is our credit repair process. Please Call (888)-655-6768 if you have any questions or to get a free detailed consultation.
The Next Step is to identify what your creditors have reported on your credit report(s)
3- FULL CREDIT REPORTS ANALYSIS
We Go Over your report(s) together, get to know what’s accurate, and what may have been reported in error.
4- CREDIT EDUCATION
We Educate you on how your credit works so you can understand what types of credit you will need to better your credit standing
5- CREDIT DISPUTE
Our Disputing Process entails writing personalized letters on your behalf and in your name to the 3 major credit bureaus asking them to do a reasonable investigation to make sure that the creditors and or collection agencies are reporting accurate information on your credit reports.
6- CREDIT BUREAUS
The Credit Bureaus must follow “The Fair Credit Reporting Act” guidelines to ensure Accurate & Complete reporting on your credit reports. They need to correct, update or delete information that is incomplete or unverifiable.
7- CREDIT BUREAUS RESPONSE
You Should Then Receive your updated credit reports within 30-45 days of our company sending the dispute letters out to the credit reporting agencies.
8- UPDATED CREDIT REPORTS
Please Mail us the original credit reports without writing or altering any information on the reports because you saw an error. (Sticky notes or letters are accepted)
9- CONTINUE DISPUTING
We Continue To Dispute & make sure that your rights weren’t violated. This process may also take 30-45 days for you to get an updated response. Please follow the same directions of the first updated dispute responses & mail us the 2nd updated original credit reports once you receive them. (if you don’t receive a credit report within 30-45 days, please call us immediately for a re-order)
10- LEGAL REVIEW
After having at least 2-3 dispute rounds completed, we’ll do a Legal Review of your credit reports to see if there are any type(s) of Creditors or Collection Agencies reported violations against you.
10- RIGHTS VIOLATIONS
If there are Creditors or Collection Agencies violations against your rights, we’ll submit your credit repair paperwork to our Consumer Protection Team of Attorneys to review your status & give you any legal advice/action necessary to legally resolve your credit situation at NO COST TO YOU for the items you were violated against.
12- CREDIT REPAIR SERVICE ACCESS
We keep disputing & fixing your credit until you reach your goal. We give all of our client(s) Long Term Access (up to 24 months) to our services with the accounts that they started with at no extra charge within their tier of pricing. ( pricing varies by tier )
We guarantee improvement within a 6 month period or your money back ( as long as you follow our guidelines 100%)
5 Star Reviews
Our customers love us. We are 5 star rated on Yelp, Google and Yahoo. Check out our reviews
We are licensed & bonded in the state of CA. We are also a very ethical company. Don’t repair your credit with a company that is not licensed & bonded
Access To our credit repair services (up to 24 months) & unlimited access to credit rebuilding tools
Real Video Testimonials
Unlike other credit repair companies, we don’t only showcase written testimonials, we have real video testimonials from our customers.
Fico Pro Certified
We are 1 of the few credit repair companies that is Fico Pro Certified. Our specialists are tested to their unique knowledge of fico credit reports.
Free Legal Assistance
and Attorney assistance at no cost to you for FCRA AND FDCPA violations. Some creditors/ collection agencies sometimes violate your rights.
Affordable Credit Repair
We offer affordable payments plans to fit your budget. We also have been doing credit repair for over 18 years.
Credit Repair Results
We are proud to showcase real credit repair results that our customers can count on. You can be our next result. See the results for yourself.