Services
How We Work
Here are the four essential steps that make up the process of cleaning up your credit reports.
- Examine Your Reports
- Develop a Plan
- TMS & Associates Works Your Case
- Sit Back and Wait for Results
The Steps Involved
Examine Your Reports
We Examine your reports from the three bureaus, Experian, Equifax, & TransUnion. Here is a link to your credit reports for all three bureaus. http://www.creditchecktotal.com.
Develop a Plan
One of our credit repair specialists will contact you within 24 hours of receiving your reports. We will go over your report in detail with you and present our plan for which items we will dispute.
We Work Your Case
We begin to dispute your items by using its arsenal of credit report repair strategies and experienced staff to challenge negative items directly with the credit bureaus. Each individual case is different and depending on the number of negative items on your credit reports this step will be repeated for each subsequent loop through the cycle...
Sit Back and Wait for Results
The credit bureaus have a "reasonable amount of time", approximately 30 days, to investigate your dispute. You will be able to access a detailed status of this progress 24/7 at our password protected customer service web site.
Credit Tips
Here are a few things you should know to maximize your Results... Read More.
Why We Are Different
Most companies just send out template letter after template letter hoping for different results... Read More.
Our Process
Some insist that individuals cannot repair their credit without waiting years for negative items to be removed. Don't believe them. TMS & Associates has been doing this for a long time and in that time we have found that through continually refining and redefining our strategies, we have secured methods that provide optimal performance. Although the details of the process change as new laws are passed and regulations are added, the underlying principle has remained virtually the same when challenging inaccurate or unverifiable information from a credit report.