How Pay After Deletion Credit Repair Works

After you sign up, we gather everything needed to begin.

You'll provide a photo ID, proof of address, and set up your credit monitoring. We'll also send you an email with instructions on completing a required beginning step.

Once we have your documents and credit report, we begin immediately.

We review your credit report line by line looking for incomplete, inaccurate, and inconsistent information.

If an account contains any of these, it becomes a candidate for removal under the legal requirement that reporting must be as accurate as possible.

If you chose the basic analysis option, we start by only identifying three disputable errors to begin with. The remaining errors are analysed during the individual cycles which is why the deletion fees on this program are higher.

If you chose the advanced analysis option, we review every account and seek out ALL disputable issues right in the beginning. This allows the lower deletion fees.

In the end the process is the same either way. The only difference is when the work is done.

We create dispute letters using your specific data.

Each account is reviewed individually and every issue is addressed. No templates and no generic disputes.

Every file and every letter is different.

You will print, sign, and send your letters via certified mail from your local post office.

This step is critical because the credit bureaus look for reasons to ignore disputes.

If anything looks off, they can ignore it, and no investigation will happen. No investigation means no deletions. It's imperative that the investigation happens.

After your letters are mailed, we wait.

Credit bureaus have 30 days to investigate from the date they receive the disputes plus 5 business days to send results.

That is why each cycle is about 40 days from date they receive the dispute.

The credit bureaus contact creditors and ask them to verify the information.

We verify the end results by comparing your original credit report with your updated report at the end of the 40 days.

If an item is removed or corrected, it counts as a deletion.

If items are deleted, we send you an invoice along with before and after credit reports so you can verify that item(s) are deleted.

Once approved, you only pay after results are achieved.

If nothing is deleted, you are not billed and we ask if you want to continue.

Each cycle follows the same structure, but the data changes.

Accounts update, information shifts, and new opportunities appear.

This is why letters are updated every cycle and never reused.

Most clients are with us for over a year. The first 6 to 9 cycles gets the largest bulk of items deleted.

During that time, an average of 75% of items are removed.

After that we see about one item per cycle deleted.

This is a process, not a quick fix.