What We Do

Ascent Credit - What We Do
  • We aggressively dispute and initiate investigations on erroneous negative items on our client's credit reports that are identified as being inaccurate, misleading or unverifiable.
  • We work as your advocate with all three credit bureaus.
  • We utilize the legal framework of the Fair Credit Reporting Act and Fair Debt Collection Act (more on this later) to pursue our client's rights to dispute inaccurate negative items on their credit reports.
    • We provide you with the education needed to understand your personal credit situation and.
    • We send you a monthly update documenting all progress.
    • We eat, sleep and think credit--constantly monitoring laws/regulations and adjusting our arsenal for maximum benefit.

Credit Counseling

We fully educate and coach each of our clients on many positive steps they can take to improve their credit score while we are working to remove the negative erroneous information. No matter what your situation, there are two steps you can take right now to help your score. Pay your bills on time and reduce the amount you owe. We will suggest other positive ways you can help your score once we know your specific situation and your customized action plan has developed.

Negative Item Removal

Ascent

By utilizing consumer protection laws and working within the legal framework of the Fair Credit Reporting Act and Fair Debt Collection Acts we may be able to get the following types of negative erroneous items removed from your report.

  • Late Payments
  • Collections
  • Charge Offs
  • Judgments
  • Bankruptcies
  • Public Records
  • Foreclosures
  • Repossessions
  • Medical Collections

The Process

Financial Freedom - Ascent

Step 1: Send Us Your Credit Reports: Our FICO certified credit consultants will contact you to discuss your credit situation and repair needs. Next, your case manager will request copies of your credit reports. If you don't already have copies your case manager will provide you with detailed instructions on how to obtain your freecredit reports from all three of the major credit bureaus. Once we obtain your credit reports we will closely examine each of the reports and present you with a custom "plan of action".

Step 2: Select Items to Dispute: Once your credit reports are received, our staff enters all the negative information into our databases. Next, your case manager will contact you to select your disputes. You will indicate which items you deem to be inaccurate, misleading, or unverifiable. Ascent Credit Solutions will dispute those items.

Step 3: We Go to Work on Your Behalf: We begin the dispute process using our large number of credit report repair strategies and experience to challenge the selected negative items directly with the credit reporting agencies. Depending on the number of erroneous negative items on your credit reports, this step will be repeated until those items are removed.

Step 4: Put Your Feet Up and Relax: The credit reporting agencies, by law, have 30 days to investigate our dispute. After this time, they must update your credit report and send a copy of your updated report to you. On average, it takes sixty days from the time we send the dispute(s) and the time you receive an updated report. Once you receive a response, make a copy and send Ascent Credit Solutions the original. This cycle will repeat until all items are removed to your satisfaction.


Money Back Guarantee

Ascent Credit Solutions works with a money back guarantee to ensure every client's satisfaction with our services. The way our money back guarantee works is simple. For every account repaired or removed from the credit file Ascent Credit Solutions assess a $100 value. If the value of repairs or removals falls below the pricing paid, then the client is entitled to the difference.