Our Metro 2 Compliance Disputing Method is a powerfully affective process of requesting e-OSCAR to verify whether items on your credit reports meet compliance standards.This solution forces e-OSCAR to work to your benefit, and not the benefit of the Credit Reporting Agencies. There's a huge difference between a traditional credit disputing and Metro 2 Compliance based disputing, one which is to examine a client's credit report to find inaccuracies and unverifiable information using 609 letters.One of the goals that come from using metro 2 is that it enables banks to comply with the Fair Credit Reporting Act (FCRA) and the Equal Credit Opportunity Act (ECOA)

e-OSCAR is a web-based, Metro2 compliant system that has been developed by Equifax, Experian, Innovis and TransUnion, this automated system that enables Data Furnishers (DFs), and Credit Reporting Agencies (CRAs) to create and respond to consumer credit history disputes.

Aggressive credit repair disputing is a process of disputing negative information on your credit report with the goal of having it removed. It involves filing multiple disputes with credit bureaus, creditors, and collection agencies, using a variety of tactics to try to get negative information removed from your credit report as quickly as possible.Aggressive credit repair disputing typically involves filing disputes for every negative item on your credit report, regardless of whether there is a legitimate reason for the item to be there. This can include filing disputes for late payments, collections, charge-offs, and other negative information. The idea behind this approach is that if you dispute everything, some of it may be removed due to errors or lack of response from creditors or credit bureaus.

Every credit report is different, so we custom-tailor our plan of attack based on your unique circumstance. As such, the duration of time it takes to remove negative items may vary from case by case. Generally, you will begin seeing results in as little as 30 - 45 days, but it may take up to 6 - 9 months+ depending on how many negative items you have on your report. No one can guarantee exactly how long it will take because we have no control over the outcome of the credit bureaus, but our clients have seen results in the time frame above.

We attack your credit score using an industry-leading, multi-stage method including Metro 2 Compliance and Consumer Laws.. Depending on your unique situation, we will approach each negative item in a customized fashion. Generally, the vast majority of entities that report negative items to the credit agencies do not possess a valid contract with you. As such, our team is legally entitled to negotiate with the agencies, using our cutting-edge formula.

Our advanced system can help remove virtually most negative inaccurate components from your credit report. This includes collections, charged offs, hard inquiries, student loans, repossessions, liens, bankruptcies, late payments, and incorrect personal information, etc.