Credit Umbrella provides you with a powerfull software to dispute inaccuracies, errors and questionable items and information on your Credit reports. Our software will help you create customized dispute letters, credit repair video training will help you understand your credit reports, identify errors and will educate you about basics, so you can maintain your accurate credit reports and get your best credit score. Our Software will also help you understand how to communicate with Credit Bureaus, Collection Agencies and all individual Creditors. CreditUmbrella is easy to use and you dont have to be an expert!
REQUEST YOUR FREE CREDIT REPORTS
Your first step to obtain copies of you credit reports from the three major credit bureaus: Equifax, Experian, and Transunion, review and identify all items that you feel should be disputed.
The Fair and Accurate Credit Transaction Act of 2003 (FACTA) made it mandatory that credit bureaus supply consumers with one free credit report each year. The only authorized online source for your free annual credit report from the three (3) nationwide consumer reporting companies is www.annualcredltreport.com.
IDENTIFY AND INPUT NEGATIVE ITEMS AND ACCOUNTS INTO CREDIT UMBRELLA’S PROGRAM
With our easy to use dispute software; you’ll be able to simply input which items you believe are inaccurate or incomplete and should be removed or corrected. This is done with the ease of inputting that information into your our Dispute Manager.
QUICKLY CREATE CUSTOM DISPUTE LETTERS WITH FEW CLICKS
With the help of our powerful software you will be able to generate custom dispute letters that you can print and dispute any and all inaccurate or unverifiable items. You will be able to challenge all those questionable items, communicating directly with the Credit Bureaus and Original Creditors.
This step will be repeated many times, depending on the number or questionable items shown on your Credit Report.
PRINT AND MAIL YOUR DISPUTE LETTERS. SIT BACK AND RELAX!
Print and mail your dispute letters to the Credit Bureaus and wait for results.
When you receive a response from a Credit Bureau.
According to the Fair Credit Reporting Act Credit Bureaus have thirty (30) days to investigate your request to verify and make changes on your Credit Report and inform you in writing of their investigation results within five (5) days of its completion.
If the credit bureau or the creditor is unable, unwilling or unavailable to verify that a credit item is accurate and timely, it must be removed from your credit report.
Hopefully, with fewer questionable items on your Credit Reports, you will begin this process all over again until you feel your Credit Report is at its best and accurate.