Step1:
Forward your credit reports. We begin each cycle by pulling out your credit reports from all three of the major credit bureaus. Keep in mind that the credit bureaus will only correspond directly to us with your authorization. Without receiving these updated reports we have no way of knowing which items were removed successfully. Updated reports should be mailed to you, not faxed or emailed (for security reasons.)

Step 2:
Choose which items to dispute. Once your credit reports are received our staff enters the information into our database. We determine on your behalf which items to dispute first, and how. Why? Because we know through our credit report analysis what is best for you.

Step 3:
Premium Credit Report works your case. PCR begins the dispute process by drawing upon its vast arsenal of credit report repair strategies and experience to challenge negative items directly with the credit bureaus. Depending on the number of negative items on your credit reports this step will be repeated for each subsequent loop through the cycle.

Step 4:
Sit back and relax.
The credit bureaus have 30 days to investigate your dispute. After that, they must inform you of the results of their investigation, update your credit report and send you a copy of the updated report. It usually takes 40 days between the day we send a dispute and you receive an updated report. When you receive a response from a bureau, make a copy of the updated report for your records then send the original to PCR to move your case forward.