Our Process
How We Restore Your Credit
A structured, transparent, three-phase process — built on federal compliance and driven by results.
Phase 1
Credit Audit & Review
Know exactly what's on your report — and what shouldn't be.
We begin with a comprehensive pull and analysis of all three major credit bureau reports: Equifax, Experian, and TransUnion. Every account, inquiry, derogatory mark, and public record is examined against the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA) for accuracy, completeness, and legal compliance.
- Full tri-bureau report review (Equifax, Experian, TransUnion)
- Identification of inaccurate, incomplete, or unverifiable items
- FCRA compliance check on all reported accounts
- Statute of limitations analysis on derogatory items
- Written audit summary delivered to client
Phase 2
Dispute Filing & Creditor Correspondence
Formal, legally grounded disputes — not generic template letters.
Our team prepares and submits individualized dispute letters to the credit bureaus and, where applicable, directly to original creditors and collection agencies. Each dispute cites the specific federal statute being violated and demands verification or deletion of the challenged item. We track every dispute through its 30-day investigation window and follow up as required by law.
- Custom dispute letters citing FCRA § 611 and applicable provisions
- Direct creditor and collection agency correspondence
- 30-day investigation tracking and follow-up
- Escalation to CFPB and state regulators when warranted
- Client notification on each dispute outcome
Phase 3
Credit Strategy & Ongoing Monitoring
Dispute resolution is the beginning — not the end.
Once disputes are resolved, we provide a personalized credit-building strategy tailored to your financial goals. Whether you're preparing for a mortgage, auto loan, or simply rebuilding after hardship, we give you a clear roadmap — including guidance on credit utilization, account management, authorized user strategies, and long-term credit health.
- Personalized credit-building roadmap
- Credit utilization and account management guidance
- Authorized user and secured credit strategies
- Ongoing tri-bureau monitoring
- Quarterly progress reviews
What to Expect
Typical Timeline
Every credit situation is different. The timeline below reflects typical client outcomes — individual results will vary based on the number of items disputed and creditor response times.
Full tri-bureau review delivered. Dispute strategy confirmed.
Initial dispute letters submitted to all applicable bureaus and creditors.
Bureau investigation windows close. First round of deletions or verifications received.
Escalation letters filed on unresolved items. Second round of disputes initiated if needed.
Active dispute phase complete. Credit-building strategy and monitoring begin.
Veterans Credit Group cannot guarantee the removal of any specific item from your credit report. We can only dispute information that is inaccurate, incomplete, or unverifiable under applicable federal law. Individual results may vary.
Ready to See What's on Your Report?
Start with a free 15-minute credit strategy session — no cost, no obligation.