How does the credit restoration process work?
RMCN Credit Services uses a "V" Phase ProcessTM to have the inaccurate items removed from credit reports. There are Federal & State laws in place to protect the consumer from inaccurate and unverifiable credit reporting!
We make sure that these laws are being followed by implementing our "V" Phase ProcessTM :
I. Audit selected items with credit bureaus
II. Re-Investigate items on credit bureau level and ask for method of their investigation
III. Validation of Debt (VOD) with creditor
IV. Revised Validation of Debt
V. Negotiate Settlement (if necessary)
The first step is to audit the credit bureaus, creditors and collection agencies using the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, the Fair and Accurate Credit Transaction Act and the Health Insurance Portability and Accountability Act. These four laws have been established to protect consumers' credit reports. Creditors and credit bureaus are legally obligated to produce documented evidence within a reasonable amount of time, generally 30 days, to back the claims they make. If they cannot validate their claims, they must promptly remove any undocumented information from the consumer's credit report.
If you have any questions or would like to get started restoring your credit, please contact me ASAP!
RMCN Credit Services, Inc.
(972) 529-0900 Office
(214) 679-8577 Mobile
(888) 469-7372 Toll Free
(972) 562-0225 Fax
"Your Credit is Your Future" ®