Our Credit Repair Programs and How They Work

Learn about our exclusive 426 Segment Solution Factual Dispute Process™ and the programs we are currently offering our clients including our newest Done with You program that allows you the lowest cost of entry.

Full Details of our Individual Programs are Located Below, However we feel it is important to know HOW our process works to get you DELETIONS

How We Get Deletions using our EXCLUSIVE 426 Segment Solution Factual Dispute Process

Our "Standard" and "Done with You Pay After Deletion Programs" use the same unique "426 Segment Solution Factual Dispute Process"

The “426 Segment Solution Factual Dispute Process™"

This process was derived from our full and complete understanding of Federal as well as various State Laws that govern the process & procedures used when reporting negative items on your report as stated in the FCRA (Fair Credit Reporting Act) section 1681e(b). especially regarding the requirement of “Maximum Possible Accuracy” when creditors, collection agencies, or any other data furnisher reports your information to the credit bureaus. If the information is provided by a data furnisher, it must meet the “Maximum Possible Accuracy” standard to be legally reported on your credit report.

Maximum Possible Accuracy

The problem with the FCRA 1681e(b) is that there is no true definition of “Maximum Possible Accuracy” in the statute. When a case gets to court, the credit bureaus claim that the error they showed on the report was an honest mistake but still falls within the “implied” definition of “Maximum Possible Accuracy,” which is left to interpretation by a judge and/or jury. It is generally hard for a consumer to prove any particular “mistake” was or could be seen as intentional. It is easier to prove intent when there are dozens of mistakes that were either not fixed or ignored when you disputed them.

Taking Advantage of Internal Documents

The “426 Segment Solution Factual Dispute Process™” takes advantage of the credit reporting industry’s own internal documents that provide their own definition of “Maximum Possible Accuracy.” We use these documents to find and challenge errors, inconsistencies, and omissions that, if not corrected, can result in the removal of items and/or even litigation that can result in forced removal and compensation.

According to the credit reporting industry’s universally agreed upon and accepted internal procedure manuals. To obtain maximum possible accuracy, all data furnishers must provide complete, accurate, and correct information every 30 days to the credit bureaus. This information is transferred via a “consumer data record” consisting of 426 alphanumeric characters broken down into dozens of segments. Each segment is a piece of data that ultimately can trigger a deletion if it is shown to be incorrect, inconsistent, or missing. They have specific rules and requirements for these 426 characters to meet their defined accuracy standards. Many segments are always required, others are only required under certain situations, and of course, all the information must be the same for each of the credit bureaus they are choosing to report to.

How a file is processed using the 426 Segment Solution Factual Dispute Process

When we get a new file, we obtain and analyze every character and segment for your accounts. We then challenge the accuracy based on these records. We seek out every possible error on your file to ensure that the credit bureau cannot claim that these are simple mistakes. In general, almost every account has errors somewhere within the reviewed segments. These errors are often not repaired on the “consumer data record” even after a dispute. Furnishers often delete the item instead of taking the needed time to repair the root data. If the disputes are ignored and/or not repaired, which happens frequently, we will do an audit to see if we can submit your file to an attorney in our network so they can consider litigation on your behalf. Some attorneys will take on the case after just one round of disputes, while others will require us to send more rounds of letters. If more rounds are required, we will either resend them to the credit bureaus as a 2nd notice or send a complete set of disputes to each of the furnishers.

Our 426 Segment Solution Factual Dispute Processprogram has all the following features and benefits

– We Use Real Disputing

– We take advantage of a little-known secret to ensure we are disputing REAL errors and not creating frivolous disputes on your behalf.

– We are still Pay After Deletion

– We are so confident in our results that once you are enrolled, you will only pay when it gets deleted.

– Disputes to both credit bureaus and direct to creditor

– We dispute with both the credit bureaus as well as the data furnishers, our goal is to remove these items as fast as possible.

– We Dispute Everything we find in Error

– All letters are sent by certified mail. This is done so there is a proper paper trail and the legal integrity remains intact.

The law requires that your entire consumer data record have the “Maximum Possible Accuracy”. Our 426 Segment Solution Dispute Process is designed to uncover every error in accordance with the industry’s own guidelines. In doing this, we will have the best chance of achieving the desired results. The number of errors will cause the data furnisher to take the time to fix each and every error found in the 426-character data string, remove the item, or risk being litigated against.

This risk of litigation increases when letters sent to them are ignored or the dispute sent and when you get a response you realize they didn't answer your inquiry.

If you want to use this system to offer credit repair to others, you must enroll into our Business level membership

Program 1: Standard Pay After Deletion

This program uses the "426 Segment Solution Factual Dispute Process"

This program has us create all of your dispute letters using the 426 Segment Solution Factual Dispute Process™, we then assemble your letters and provide you with step by step mailing instructions.

Once you mail your letters from your location via certified mail we will set a review time for about 40 days from the date the green cards are signed.

When we are notified to do a review we will update your credit reports and create an invoice based on deletion results

Once invoice is paid we will proceed with the next round of letters

This program has a setup fee of $349 and a $35 deletion fee per item per credit bureau.

There are NO monthly fees.

*Do not use this pricing please refer to our Pricing Page for current pricing

Program 2: "Jumpstart" Pay After Deletion Program

This program uses a 3rd party paralegal service

This program requires you to be able to qualify, if you qualify your project will be completed about 6-9 months sooner than our standard program.

The costs associated with this program is as follows

$799 Setup Doc Prep Fee

$35 deletion fee per item per credit bureau
There are NO monthly fees

*Do not use this pricing please refer to our Pricing Page for current pricing

Call Us Today

We are Proud To Work With You


407 Jackson Park Rd, Kannapolis, NC 28083, USA

Contact Us

407 Jackson Park Rd
Kannapolis, NC 28083
(By Appointment Only)


Tel: 813-345-4097
Text: 813-345-4097

Business Hours-
Monday - 8am - 7pm

Tuesday- 8am - 7pm

Wednesday - 8am - 5pm

Thursday - 8am - 7pm

Friday - 8am - 7pm

Saturday - 8am - 7pm

Sunday - closed