Our Credit Repair process has been perfected over 15 years of litigation experience (specifically by suing credit reporting agencies for errors on credit reports).

The entire process lasts 7 months total (in some circumstances, just 4 months). Anyone promising faster results is either wrong, dishonest, or doing something that can get you in trouble!

First we need to collect specific documents from you to be able to get the best results.

Those inclue credit reports from the “Big 4”  main credit reporting bureaus (Experian, Equifax, TransUnion, Innovis). Note: Innovis is a lesser known credit reporting agency, but is becoming increasingly important in the credit reporting space.

We also need ALL past Debt Collection Communications, outgoing or incoming, received by Consumer within the last 1 year.

And finally we need ALL previous disputes (from Consumer and/or CROs or other 3rd parties).

We perform a check and cross-check of all submitted documents to find ALL ERRORS using a proprietary internal checklist developed through years of litigation.

We are well aware of industry standards (or lack thereof), and nothing else in the industry is nearly as thorough or effective.

Additionally, like we mentioned in the Why Choose Us tab, we will also be identifying potential lawsuits during this process.

And if we find potential lawsuits (we likely will), we will transfer your file to a Consumer Protection law firm we are partnered with so that they can sue on your behalf and you can walk away with (A LOT OF) money in your pocket.

The Consumer Protection law firm we are partnered with is Swift Law North.

Note: the identification of potential lawsuits and subsequent transfer of your file is a service we provide FREE OF CHARGE!

And the law firm operates on a contingency-fee basis, which means no out-of-pocket fees or costs.

Note: If your file gets transferred to the law firm, you will still get the credit repair results we offer at Swift Credit Fix (at no additional cost) – PLUS MORE!

Even if your situation doesn’t qualify for litigation, we still offer the best credit repair possible.

Once we have done our analysis, we will schedule an ICRV call between you and one of our specialists.

Here we will review our analysis together, ask specific information from you in terms of preferences on how to proceed, go over timelines (you’ll get a homework assignment), and implement our plan of attack.

Our disputes are like no other disputes in the industry.

Why?

Because our disputes are specfically designed so that if we don’t get the exact results that we want, the Consumer is perfectly set up to sue these companies later on (in other words, it’s a win-win).

Put another way, there are only two possible outcomes:

1. We get the results that we want.

2. We don’t get the restults that we want, the law firm sues, and THEN we get the results that we want – PLUS a settlement from the lawsuit (money in your pocket).

At this point we repeat the process one more time.

For what reason?

To try once more to get the results that we want OR to increase the value of the lawsuit if we didn’t get the results that we want (more money in your pocket!).

In other words: it’s another win-win.

This is the power of having a law firm backing your credit repair efforts – AND WE DO!

Please note that sometimes Step 5 is not necessary! In some circumstances, the dispute process will have worked perfectly by the end of step 4. If this is the case, that means everything that can be fixed has been fixed, and we will not renew payments for the remaining months.

Next read about our Credit Repair Prices.