4K RECOVERY SERVICES
Your Path to Better Credit Starts Here
REPAIR. RESTORE. GROW
FREE CREDIT CONSULTATION
Your free consultation is designed to give you clarity on your credit situation. We’ll review your credit report, identify negative items affecting your score, and create a personalized plan to help you move forward. This step is crucial in understanding what’s holding your score back and creating a targeted plan to dispute these accounts effectively.
OUR DISPUTE PROCESS
Our dispute letters are generated using Metro 2 compliance standards, which require credit bureaus to report only consistent and accurate information. Unlike traditional dispute methods that ask bureaus to validate or verify accounts, our process focuses on whether the account meets Metro 2 reporting requirements—which increases the likelihood of corrections or deletions.
Consistency is key to effective credit repair. Our disputes are sent every 30-35 days, allowing for steady progress without delays. This approach ensures that negative items are continuously challenged, keeping your credit repair process moving forward.
MAINTAINING PROGRESS
While we handle the disputes, your role is just as important in ensuring the best results. Avoid applying for new credit, as this can impact your score and slow progress. Keep your credit utilization at 30% or lower on existing credit cards to show responsible usage. Most importantly, be patient—credit repair is a process, and every round of disputes moves you closer to your goals. If you have any questions along the way, we’re here to guide you!
After each round of disputes, we review the results and prepare for the next round. It's not unusual for scores to dip during the first couple of rounds as we challenge negative items, but we’ll guide you through each step and ensure that you’re on track for lasting improvements.
