Need To Overcome Bankruptcy?

Simply put, a Bankruptcy is arguably the worst thing that can happen to your credit rating. Although bankruptcy is not always your fault it is something that lenders can judge you by for years to come.

Perhaps the most difficult thing to do after a bankruptcy is dealing with the mess that shows up on your credit report. We have found that often times after a bankruptcy, creditors included in the bankruptcy seldom update the status of the account. This often leaves the account showing a past due status a balance owing.

Many people would have you believe that there is nothing you can do about a bankruptcy on your credit. They would have you believe that you must wait up to 10 years to have the credit bureaus remove it themselves.

However this is absolutely not the case. The truth of the matter is that any and all questionable and negative items on your credit can and should be investigated. This is especially the case after a bankruptcy.

Although we can not promise that we will be able to remove a bankruptcy from you credit report (although we have in many cases) we can promise that we will be able to clean up the mess of outdated, erroneous, and negative accounts that show up after your bankruptcy.

How We Do It.

Once you complete your enrollment into the Score Surge program, you will receive a user name and password to access your online account. Your online account will show you all active credit items that appear on your credit report. You will be able to view the credit items that are being disputed directly with the credit bureaus, and you will be able to track the results of those disputes online.

The process for Credit Disputes:

1. We identify which credit items are in need of correction, and dispute those items directly with each applicable credit bureau. The bureaus then have 30 days to complete their investigation.
2. Once the credit bureau has completed their investigation of each particular credit item, they will send a letter directly to you advising you of the results of their investigation.
3. You then forward all correspondence you receive from the credit bureaus to us. We then update your account and move forward on your case. Due to the fact that each credit bureau and creditor reacts differently to investigations, it often takes several investigations to thoroughly update your credit profile.

The process for Credit Optimization:

1. The Score Surge program identifies the items on your credit report that could potentially offer you a higher credit rating.
2. Once these items are identified, they are detailed in the recommendations portion of your online account. Here we offer you a simple checklist of what you can do to optimize each of your individual credit line items.
3. Provided you follow the recommendations, you will see that your credit will improve drastically.