First, we identify mistakes on credit reports and challenge the negative items. The bureaus can respond in one of 3 ways; deleted, updated or verified. If deleted, great we move on to the next account. If updated or verified, we then go directly to the company reporting the information with a debt validation demand which is our second step. Our third step is to review the debt validation and insure the debt is correctly reporting complete and accurate information. Our final round is Pay for deletion or debt negotiation. Once all 4 rounds of our process are completed we will stop. If the client reaches their goal at any point in the process, we will stop and refer them back to their lender.