CREDIT REPAIR

At Jean R Mervilus, EA, we offer a specialized “Credit Repair” service designed to help you improve your credit score and overall financial health. Here’s a step-by-step explanation of our services:

Initial Credit Consultation

• Overview: We begin with a thorough consultation to understand your credit situation.
• Details: We review your current credit report, discuss your financial goals, and identify any negative items or inaccuracies that may be affecting your credit score.

Credit Report Analysis

• Overview: We perform an in-depth analysis of your credit report.
• Details: Our team examines each entry on your credit report, identifying errors, outdated information, and negative items such as late payments, collections, or bankruptcies. We assess the impact of these items on your credit score.

Dispute Process Initiation

• Overview: We initiate disputes with credit bureaus to address inaccuracies.
• Details: We draft and submit dispute letters to the credit bureaus to challenge inaccurate or unverifiable items on your credit report. We handle all communication with the bureaus on your behalf.

Negotiation with Creditors

• Overview: We negotiate with creditors to resolve outstanding debts.
• Details: Our team works with your creditors to negotiate settlements, payment plans, or other arrangements that can help reduce your debt and improve your credit standing. We aim to minimize the impact of these debts on your credit score.

Credit Education and Counseling

• Overview: We provide education and guidance to help you manage your credit effectively.
• Details: We offer personalized advice on budgeting, debt management, and responsible credit use. Our goal is to equip you with the knowledge and tools you need to maintain a healthy credit score over the long term.

Ongoing Credit Monitoring

• Overview: We offer ongoing credit monitoring services to track your progress.
• Details: We continuously monitor your credit report to ensure that any improvements are reflected and that no new negative items appear. We keep you updated on your credit score and provide regular reports on your progress.

Results Review and Adjustment

• Overview: We review the results of our efforts and make adjustments as needed.
• Details: After the initial round of disputes and negotiations, we assess the impact on your credit score. If necessary, we take additional steps to address any remaining issues or to further improve your credit.

Final Credit Assessment

• Overview: We conduct a final assessment of your credit improvement.
• Details: Once the repair process is complete, we review your updated credit report and score. We provide a comprehensive report summarizing the changes made and the overall improvement in your credit standing.

Long-Term Credit Strategy

• Overview: We help you develop a long-term strategy to maintain good credit.
• Details: We provide advice on how to keep your credit healthy, including tips on avoiding common pitfalls, managing debt, and using credit responsibly. We aim to ensure that your improved credit score remains stable over time.

By following these steps, Jean R Mervilus, EA helps you regain control of your credit and achieve a stronger financial future. Our tailored approach is designed to meet your specific needs and support you in reaching your credit goals.