Our Process
Fix My Credit in El Paso - Our Process
If you or someone your know has a bad credit score, New Credit Life is ready to help you fix it. Since so many people are unclear about how their credit score is constructed, they believe that the process to fix it may be too complex. Our team is here to tell you that the process doesn’t have to be too complicated.
Our team will walk you through the entire process from beginning to end so you know exactly how we plan to get your credit back on track. Contact us today to get started on your own credit repair journey!
How We Improve Your Credit Score
Using IdentityIQ, your credit score/history, and your needs, we can create a personalized credit progress plan that can get your credit score back on track. We determine how your credit got off track and use the credit score breakdown information of the various credit bureaus to develop your plan of action.
As you work with us, we will adjust your personal credit repair strategy as needed to get your credit as high as possible, as fast as possible.
Why You Should Work with a Credit Repair Firm
Although the credit system isn’t nearly as complex as people make it out to be, it is still best left to the professionals if possible. Why? Because the mix of information that each credit score is based on is different, meaning that even a slight change in strategy could affect some scores in unexpected ways.
Through our certifications and years of experience, we can create a plan that takes into account the ways that credit bureaus manipulate credit. If you attempt to fix your credit yourself, it may take much longer.
Free Consultation & Enrollment
After completing your consultation along with submitting payment credentials for your billing you will be given instructions via your welcome email and welcome text message on the necessary steps needed to move along with the process.
Sign Your Agreement
Agreements, every company has them. All parties involved need them. But don’t worry, New Credit Life does not commit clients to a long-term agreement. Nevertheless, clients must sign with their digital signature in order to move forward to Step 2
Setup your “Identity IQ” Monitoring
In order to provide credit repair, we must first be able to track and monitor the challenges on a regular basis. This is why New Credit Life has partnered with Identity IQ to provide you with high-quality consumer data reports. You get money, credit, and identify fraud monitoring all in one place!
Proof Of Identity
Upload photocopies of your proof of identification (one-by-one) in your secured client enrollment form. These documents may include but are not limited to. (i.e. Driver’s License, Passport, SSC, Tax Return, W2, and proof of address) Congratulations, we’re finally ready to start!
Let the disputing process begin!
At New Credit Life, nothing makes us happier than to get our clients to this point! This is where magic can finally begin! Keep in mind, every single negative account that we determine can be corrected is written individually to your specific profile. There are no cookie-cutter letters here! Every client is different so we know that every letter must be different so that we can ensure we’re making the most out of every attempt in getting the greatest results.
The Infamous “Waiting Game”
When a dispute is filed against a creditor, According to the Fair Credit Reporting Act, you must allow that creditor a legal 30 calendar days to respond to the dispute. Now we know that 30 days can be a long time, believe us when we tell you that we understand! Remember, patience & persistence are the two most powerful tools we have in order to maximize your success and during this process, you will have to learn to be as patient as you can be. Creditors are allowed these 30 days to provide a written response because credit bureaus are working with both your creditors and collectors to investigate the accuracy of each account in dispute. In the early stages of the dispute process, there is nothing we can legally do to speed this process up. Don’t be discouraged, there is still plenty of work to be done at New Credit Life! This is why we will be emailing, texting, and communicating with you on a weekly, and in certain cases on a daily basis! Should you have any questions or concerns, definitely feel free to ask your Solutions Manager for the support!
New Reports and Scores
This is the time for us to re-evaluate and strategize! New reports and scores! At this point in the journey, you should be receiving correspondence in the mail from the credit bureaus regarding your first round of investigations. Please, as a courtesy, forward any & all correspondence to our office at info@mynewcreditlife.com. *Please note, it is imperative that we disclose that while New Credit Life is extremely proficient in Credit Enhancement and Restoration, there is no guarantee that everything will be removed with every dispute submitted. Please know that our goal is to get your credit reports cleared up with all 4 Major Credit bureaus in the shortest period of time.*
“Wash….Rinse…. Repeat”
After we have reviewed your file as a whole, we will then follow up with all necessary credit reporting agencies, original creditors, and send debt validation letters to any remaining debt collectors. We repeat this process, month after month until we get the desired results from the parties involved. The goal is to never take “no” for an answer and fight until you have one. For example, last month we gave them reason “A” as to why we believe they should remove the item; it didn’t work, so now we will give them reason “B.”
Start Adding New Credit
Now is an excellent time to start rebuilding and re-establishing your credit history with the credit bureaus. Luckily for you, New Credit Life will guide you on which credit builder cards to get. If you need advice as to which starter credit cards you should start applying for, simply contact your Solutions Manager to view our recommendation.
Ongoing Battle Until You Win!
Fighting is in our roots! Although you may notice the results slowing down here, that does not mean that is it and you must wave the white flag. Absolutely not! Each month, with each round, we get more and more aggressive until we are victorious. If you have questions about the process or what’s in store you can speak to your Solutions Manager for more details. Tips that we offer clients in this stage are to trust the process, continue to educate yourself, stay flexible, and be willing to take suggestions! If you stick with New Credit Life, we will do everything in our power to improve your credit and set you up for years of continued success. Thank you for letting us be of service!