Credit Bureaus insist that individuals cannot repair their credit without waiting years for the negative items to be removed. This is not the case.

What can we do for you?

Credit Bureaus insist that individuals cannot repair their credit without waiting years for the negative items to be removed. This is not the case. Specialized Credit has refined our Score Surge program to maximize your credit repair results. This is done by working on both ends of the credit spectrum to ensure the most effective, fastest results possible.

Most credit repair organizations are limited to disputing the derogatory credit items with each of the credit bureaus. While this tactic is also employed by Specialized Credit, this only solves a portion of the problem. Credit reports are affected by and credit scores are derived by various factors. Only one of which is payment history. By focusing only on removing negative payment history the improvement to your credit rating will be limited.

The Score Surge program has been developed to analyze your entire credit report based on all factors that the Credit Bureaus themselves use to calculate your credit score. These factors include credit depth, payment history as well as amount of credit issued. The Score Surge program will then give you a checklist of what you can do to maximize your credit score. The Score Surge program will even show you what your estimated credit score will be. All you need to do is complete all the items on your checklist. No other program can offer such a detailed analysis of your credit.

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.
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