Personal Credit Restoration

Do You Have Any of the Items Below on Your Credit Report?

If YES, PENUELCapital™ CAN Dispute it and Get Your Credit Score Back on-Track!

Late Payments
Inaccurate Child Support
Inaccurate Accounts

The most common question most clients ask us is: “How does the personal credit restoration process work?” Like a digital fingerprint, every person has a unique set of credit history and profile. As a result, we start with getting to know what your credit needs are and your expectations for your credit rating. This puts you in the driver’s seat as we work together to get your credit score to what you need it to be.

We model transparency, integrity, and excellence in all our work with clients at PENUELCapital. Consequently, we have provided below, detailed explanation on the procedural steps we engage diligently to hold credit bureaus, creditors, and collection agencies accountable to the Fair Debt Collection Practices Act, the Fair Credit Billing Act, Truth in Lending Act, and other applicable federal statutes. It is your legal right as the consumer to dispute items on your credit report and we help our clients ensure that they do just that.

How Does the Personal Credit Restoration Process Work?

1Credit Report & Diagnosis of Credit Problem

Credit Report and Diagnosis

You will be required to provide us with your credit reports from all three credit bureaus, Equifax, Transunion, and Experian. We will send you a link that is secured where you would provide us with your information and upload needed documents.

Our funding consultant will carefully examine them and provide you with a deep analysis of your credit report, spotting all inaccurate information and the various factors that are negatively impacting your credit score and pulling them down. Our consultant will come up with a detailed personal credit restoration plan customized for your specific situation. These recommendations and the step-by-step improvement actionable plan will be discussed with you, to get you back on good footing with your credit rating.

We will give you a realistic fair estimate of how long it will take for you to see improvements and a turnaround in your credit score. On the average, many clients begin to see boost to their credit score within 45 to 60 days.

2Verification and Dispute of Misinformation

Credit Report Dispute

There are Federal and State laws in place to protect the consumer from inaccurate and unverifiable credit reporting. We assist you in enforcing these laws by challenging every piece of negative, inaccurate information or illegally filed derogatory information that are unjustly and negatively impacting your credit scores. We do this by first loading all the inaccurate, misleading, and unverifiable information into our system. We, then, begin the process of challenging each of these questionable information one after the other with the credit bureau, creditor, and collection agency.

We prepare dispute letters for each of them. For example, if there are 8 questionable accounts on your credit report falsely reporting to the 3 credit bureaus, we would carefully craft 24 unique dispute letters to hold each of the credit bureaus accountable to delete and remove each negative and inaccurate information from your report. Once the dispute letters are ready, we send them out to all the bureau and wait 35 to 45 days for updates. While we are working on your account, you can track your personal credit restoration progress anytime using our secured online portal. Each dispute cycle is about 35 to 45 days and most of our clients get the most benefit after 3 to 4 dispute cycles.

3Negotiation and Elimination of Delinquencies

Once the updated credit reports come back from the bureau, we will analyze the updates for any changes to the inaccurate, misleading, and unverifiable information. If there are changes, we will update your file and then move on to the next inaccurate, misleading, and unverifiable item. If the item comes back verified with no change, we will then follow up with the credit bureaus to try to get a resolution on why the inaccurate information is still on the credit report. Some verified accounts may require negotiation with the creditors to either remove the account or bring it to active status from delinquency. We will be there with you with time-tested negotiation techniques that will help you settle with creditor for far less than the original owed amount.

4Personalized Credit Coaching

Personalized credit coaching

Lastly, we would provide you with step-by-step personalized one-on-one credit coaching and guidance on how to keep improving your score in an upward trajectory manner until you achieve an excellent credit score. We don’t just focus on helping you restore your overall credit from start; we are there by your side to the finish line. Our goal is to help you accomplish an excellent credit score, so we will teach you how to continue to build and maintain your new amazing credit score for LIFE!

Watch this short video for a summary of the restoration process.

Watch this video and learn how we helped Bob restore his score.

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