WHAT WE DO
We demand validation and verification of derogatory information using the Fair Debt Collection Practices Act, the Fair Credit Reporting Act and the Fair and Accurate Credit Transaction Act These three laws and various others, have been established to protect consumers’ credit reports. Based on our consultations with you, we seek to identify inaccuracies and misinformation in your credit reports. Then, we work with the credit agencies in order to eradicate inaccurate and misidentified items from your credit report. Creditors and credit bureaus are legally obligated to produce documented evidence within a reasonable amount of time, generally 30 days, to back the claims they make. If they cannot validate their claims, they must promptly remove any undocumented information from the consumer’s credit report – thus, improving the customer’s credit report. In some instances, when disputed items are eradicated, they can return to the consumer’s credit report on subsequent reporting cycles or when validation is provided by the creditor.

CREDIT TRAINING: Furthermore, we provide our clients with invaluable education and training on maintain good credit. While we only offer our services for a duration of up to six-months, we provide our clients with the tools that they can use to protect their good-credit for a lifetime. With every client consultation, we provide an analysis of the clients credit history. Then, we provide a background on how credit ratings work and how consumers can work to maintain high credit ratings. This training allows our clients to maintain their good credit scores for years after our services have concluded.

SERVICES:
WE CAN REMOVE
Bankruptcies              Divorce                          Tax Liens
Civil Judgments         Late payments           Repossession
Charge offs               Identity theft               AND MORE!                          

WE CAN HELP
First Trust Capital Credit Repair makes use of the Fair Credit Reporting
Act in helping our clients to improve their credit. We adhere to the most stringent privacy guidelines to protect your personal information.

Step 1:  Credit Analysis

Click on our FREE CREDIT EVALUATION link and receive a free step by step analysis of your credit report from one of our highly experienced Credit Specialists.  We provide your credit report at no cost or you can email/fax your own if you wish.

Step 2: Enroll

Or, you can begin the process immediately by clicking on the sign up link on our website. You will be prompted to complete and submit First Trust Capital Credit Repair enrollment forms (available on our website), some of these forms are federally required disclosures that will allow us to begin your credit restoration process.  These forms must be printed, completed and then faxed to 310.586.3002 as soon as you can. The faster we receive the enrollment forms, the faster we can process your credit restoration.

Step 3: Education, Training, and Consulting:

Once enrolled with First Trust Capital Credit Repair, one of our consultants will contact you in order to begin the process of restoring your credit and preparing you for a lifetime of excellent credit.  This process begins by reviewing your credit report along with one of our consultants.  Our professionals will teach about how credit works and the things you have done to improve and hurt your credit rating, in the past.  The, we will educate you on how to maximize your credit rating in the future through good credit practices.  This education and training will allow you to maintain a lifetime of excellent credit, once our services have concluded. 

Step 4: Identify and ATTACK

As part of the consultation, we will work with you to identify inaccuracies and misinformation on your credit reports.  Then, we will draft letters to dispute inaccuracies and negative items on your behalf. By removing these items from your record, your record will more accurately reflect your credit-worthiness and can oftentimes result in an increase to your credit score.  These letters are designed to communicate your dispute in such a way that the credit bureaus will accept the dispute and conduct an investigation.
While this may sound easy, any person who has attempted to dispute his or her own credit will tell you otherwise. According to federal law, the credit bureaus can ignore your dispute under a variety of conditions. In our experience, a large percentage of dispute letters sent directly from consumers are rejected under one pretext or another.

Step 5: You Receive Updates from the Credit Bureaus

The credit bureaus have up to 30 days to respond. You should begin paying attention to your mail for ANYTHING that has a return address of Equifax, Experian, or Trans Union about 2 weeks after you send FTC-Credit Repair your credit reports. Even if it looks like junk mail, forward it to us. Forward it to us, even if it's a report with no improvements. Simply forward everything.

If you do NOT receive anything from a bureau within 45 days, PLEASE NOTIFY US IMMEDIATELY, by email, preferably. We will need another copy of your most recent report or update, so make a copy of your copy and forward us the best copy.

Step 6: Repeat Steps 4-6 until You Get Your Best Result

Every client is different, but the average time for a client to remain with us is six months. In that time, you should see a significant improvement in your credit file and credit score. Welcome to a brighter tomorrow!