How it works

How Does The Credit Repair Process Work?

The credit bureaus want consumers to believe that they cannot repair their credit without waiting 7 to 10 years for negative items to be removed automatically from their credit reports. This is not true. The Fair Credit Reporting Act (The absolute authority governing how information should be reported) says that if the items on your credit report aren't reported 100% accurate, 100% verifiable and 100% timely by the creditors, a reasonable investigation should be conducted and the item must be removed from the report. Approximately 79% of all credit reports contain errors and some are serious enough to keep consumers from getting approved. If the information on a credit file can't be verified then it must be removed! Often times when accounts are closed, charged-off or discharged the creditors do not have the supporting evidence to verify the legitimacy of an account within the 30 day time line they're given. This can result in deletions that can benefit your credit score!

Steps Needed to Get Started

  • Step 1 - Obtaining your credit reports and scores
    If you do not have your reports Click Here to obtain your reports instantly online.
  • Step 2 - Review and audit of your credit reports for errors
    Once we help you review your credit file and help you identify the information you believe to be inaccurate you can then join our services
  • Step 3 - Hiring us to work for you
    Once we have reviewed your report, you can hire us to start working for you by completing our online Credit Repair Agreement. Our Consultants use proven strategies and tactics designed to achieve the highest possible results. We use the laws that protect you to challenge all 3 credit bureaus to clear your report of any inaccurate, unverifiable, incomplete and erroneous negative items off your report. Depending on the number of questionable items this process will be repeated each cycle.
  • Step 4 - Access Your File and Wait For Results
    You'll have constant access to everything we're doing on your behalf. The credit bureaus have 30 days to investigate your dispute. Because we're using the mail, it can take 45 days. Within those 30 days they must provide proof of the discrepancies on your report or remove or correct those negative items. This cycle is repeated until you're satisfied... Keep in mind that the credit bureaus will only respond directly with you, not Mercedes Enterprises INC. (ALL LETTERS AND REPORTS YOU RECEIVE FROM THE CREDIT BUREAUS NEED TO BE FORWARDED TO US ASAP) These updated reports are EXTREMELY IMPORTANT for us to know how the credit bureaus are responding to disputes being submitted on your behalf. THESE RESULTS MUST BE MAILED TO US.

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