Need To Overcome Collections?

Collection accounts are extremely frustrating to consumers, as if their harassing phone calls aren’t enough, they insist on ruing you credit as well. An account ends up in collection when a creditor does not feel it is worth their time to try and collect on the account any longer. They then assign the account to a third party collection agency to attempt to collect.

Collection agencies are not the original creditor therefore they have no relationship with you. They will tell you virtually anything to try and pry a dime out of your wallet. And even if you do pay them, often times the account is not updated on your credit report.

Because collection accounts are often serviced by third party companies, the likelihood of an erroneous collection account posting on your credit report is quite high. Specialized Credit Repair has a phenomenal success rate with regards to removing collections from your credit report. Take action on your credit today.

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.