Virtus Credit Solutions

Some insist that individuals cannot repair their credit without waiting years for negative items to be removed. Don't believe them. Virtus Credit Solutions has been doing this for a long time and in that time we have found that through continually refining and redefining our strategies, we have secured methods that provide optimal performance. Although the details of the process change as new laws are passed and regulations are added, the underlying principle has remained virtually the same when challenging inaccurate or unverifiable information from a credit report. Here are the four essential steps that make up the process of cleaning up your credit reports. These steps are repeated until you are satisfied with the results.

Step 1: We examine your credit reports
You begin by forwarding copies of your credit reports to us from all three of the major credit bureaus. Keep in mind that a recent law that aids in inaccuracy of credit reports forces the credit bureaus to only correspond directly with you, not your credit repair firm. These updated reports are crucial for us to see which items were removed successfully. If you do not have copies of your credit reports that are not older than 2 months, you can get copies here http://www.annualcreditreport.com.

Step 2: We develop a plan for which items to dispute
One of our credit repair specialists will contact you within 24 hours of receiving your reports. We will go over your report in detail with you and present our plan for which items we will dispute. You will be able to access a detailed status of this progress 24/7 at our password protected customer service web site.

Step 3: Virtus Credit Solutions works your case
Virtus Credit Solutions begins to dispute your items by using its arsenal of credit report repair strategies and experienced staff 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 wait for results
The credit bureaus have a "reasonable amount of time", approximately 30 days, to investigate your dispute. Within this timeframe, the credit bureaus must provide proof of the discrepancies on your report or be forced to delete those negative items. They will send you an updated credit report and you will then send it to us to move your case forward. The cycle begins again, and we remove more negative items from your reports...