LEGAL, MORAL, ETHICAL & FACTUAL CREDIT SERVICES.
700 Power Process
While others simply address only 35% of the credit report by sending simple dispute letters, this
process was designed to remove negative items and increase the scores as quickly as possible. By
addressing 90% of the items affecting our client’s credit and by attacking the scores from multiple
angles, our client’s results far exceed the industry average.
Our innovative approach to both “Credit Restoration” and “Credit Score Optimization” is constantly
being adjusted to keep up with the never ending changes of our industry. Our veteran team of
industry pros continuously improve our process to keep up with the changes of the creditors and
credit bureaus dispute process, credit score algorithms and new state and federal laws. Our exclusive
Power Process is an industry first and has taken over 8 years to perfect.
1) Detailed Credit Analysis – Review of credit report.
2) Assignment of a Credit Coach – Clients are assigned a Personal Credit Coach who will put your
plan in writing, offer unlimited support throughout program, review client portal, items to
dispute, issue exclusive credit workbook and Custom “Credit Rec/Score Code Sheet” & Decoding
of FICO REASON CODES
 Clients receive a custom sheet with a custom game plan of what can be done in
addition to our dispute, audit and removal process.

Decoding of FICO REASON CODES – our coaching, processing and legal dispute & audit
departments decode, understand and utilize your personal fico codes.
 Coaches & Consultants analyze the open credit utilization and review with client
where Physical Mail ie: USPS, FEDEX, UPS etc additional points can come from. A
written game plan is reviewed with and given to our clients.
 Assistance with opening $5,000.00 and $3,500.00 Revolving Credit Card Accounts from
our trusted affiliates
3) Custom Dispute Process Created – Clients receive a custom dispute process created specifically
for them using consumer protection laws, credit reporting laws and other proven tactics for the
best possible results. Respond to, Receive and or Initiate correspondence via telephone, e-mail,
fax, physical mail ie: USPS, FEDEX, UPS etc. Use Certified Mail at our discretion.
 FICO REASON CODES are once again used for the dispute process to assure our clients
the correct items are being addressed

Processors review fico codes for a clear understanding of what is creating a drag on
the score; your custom dispute process is built around these findings.
 Processors review the codes for a clear understanding of what items are helping, or
could help, the score. What may appear to be negative could actually have a positive
effect on the score.
 Unlimited Letters-Unlimited Processing, Unlimited Disputes, Audits &Unlimited
Letters that utilize consumer’s rights and verify credit reporting laws are being
followed.
 Disputing & Auditing - 100% of the negative or harmful items on the very first round
and all rounds after.

Processors compare your report to the 5 categories of the fico score for optimal
improvement.
4) 10/20/30/40 – Communication / Customer Follow Up – We pride ourselves in communicationyour coach will stay in touch while in the program. Our 10/20/30/40 day approach will assure
you’re informed while in the program. Communication consists of live calls, text messages,
emails and Portal Updates
5) New Report Pulled at 45 Days- We update YOU! We don’t wait or depend on results, we let you
know where your case and score is at- report is re - pulled and refreshed. This process is unique
to the industry, others MUST HAVE RESULTS before they can move a file forward.
6) Client Portal Updated-Our Processing team automatically updates the Client Portal showing what
was deleted, added and New Scores- affiliate/realtor / mortgage company portal updated
7) Assignment of Credit Analyst Our proactive approach to every aspect of our business
8) Credit Analyst Results Review - a detailed “Status Update” is done by your Analyst.
9) Results & Responses – A thorough review is performed to determine the next step. If you are
working with an affiliate, at your request, we will update them on the progress and when it's
time to repull your credit.
10) Updated Credit Analysis - Your Analyst will review our new game plan for the next step. Steps
are repeated throughout the program.
11) REMOVE DISPUTE COMMENTS IF ANY, GET READY TO CLOSE ON YOUR HOME LOAN! ALL WITHIN
60 DAYS!