Do you guarantee results?

By law, no company can guarantee that they can have items removed from your credit reports, but we stand behind our services and, if you feel you do not see results, we will evaluate your account and you will receive a portion of your money back if appropriate progress with your case has not been made. Please refer to our Terms of Use and Warranty for more details.

What if removed items reappear?

This happens occasionally either by accident or a creditor has eventually verified a particular item. This is what is known as a 'soft delete'. The FCRA (Fair Credit Reporting Agency) has made it much more difficult for a creditor to replace an item once it has been removed. Real Estate CSO will re-challenge the item with the full force of the prior removal in our favor.

Once we've received your credit reports, we will analyze your credit history to identify items that are responsible for bringing your credit score down. Then we will draft letters to dispute these negative items on your behalf. Although we encourage consumers to dispute their own credit if they have the time and knowledge to do so It is important to note that, according to federal law, the credit bureaus can ignore your dispute under a variety of conditions. In our experience, a large part of dispute letters sent directly from consumers are rejected for one reason or another. Real Estate CSO 's letters are expertly designed such that credit bureaus will accept the dispute and conduct an investigation.

A disputed credit listing must be verified as accurate for it to remain on the credit report. If the credit listing contains an error, the credit bureau may simply correct the item. Unfortunately, very often disputed credit items cannot be verified because either the creditor no longer possesses the necessary information, or that creditor will not go to the effort of verifying it even if they have the information in question. Furthermore, the investigation must be completed within 30 days or the listing MUST be removed. For these reasons, properly disputed credit listings are removed from your credit report with remarkable frequency.

At the conclusion of the credit bureau's investigation, a new copy of the credit report is sent to you along with any deletions or improvements. You then provide us with a copy of the new credit report and the cycle repeats itself at strategic intervals.

Each time an investigation is initiated, the odds of receiving a particular deletion increases.