We obtain your credit report from the three major credit bureaus; TransUnion, Experian and Equifax and collect information on your full credit history. Targeting negative items that are affecting your credit score, our team then creates a disputing plan.
The credit specialist assigned to your case reviews your negative items and drafts and sends the appropriate dispute correspondence to the creditors or credit bureaus. The ReddiBuy team practices care for each item to ensure the best method of removal is matched to your negative item.
If a negative item requires more care or correspondence to remove, the dispute is escalated to include legal representation. Sourcing a series of laws including the Fair Credit Reporting Act, we ensure your credit rights are accurately represented.
Through the online portal and app, we offer 24/7 access to full credit score analyses’ and mentoring. With over 4 years of experience in the industry, our team has developed resources for personal finance education and overall positive lending practices.