Why does the sweep process take so long?
The bureaus have 30 to deliver your results, and 45 days if your credit report was obtained via annualcreditreport.com. After we submit your first round, we must wait for these results either in the mail or online before we can send out another round. These results will let us know what steps we have to take next. As soon as we receive the results, we send out the second round, unless the first one took care of the negative items.
Most credit repair programs are 1-3 years. This credit sweep on average is only 6 rounds.
One must go into this with the knowledge that negative items are not meant to be removed from a credit report to begin with, due to the fact that more inaccuracies and lower scores equate to more money for the credit bureaus. It's simply a game of data and we need to provide enough "evidence" to support our claim that inaccuracies exist and the negative items must be removed.
How long does the credit restoration process take?
It all depends on how many negative inaccurate, obsolete, misleading or duplicate items are on your credit reports. It also depends on the credit bureaus properly doing their job by heeding the federal law, Fair Credit Reporting Act. You will ...
Why do some accounts get removed quickly while others take a long time?
Unfortunately, this process is not certain. It's not guaranteed. There's no way to "force" the bureaus, creditors or collection agencies to do anything (or anyone else for that matter). This is why I call them "rounds", as in "dispute rounds". It is ...
Requirements for credit sweep processing
Required for credit sweep processing: 1. login for identityiq login 2. docs: copies of ID, SSN, proof of address 3. Sign up form found here Discounted IdentityIQ credit monitoring: Click HERE or paste into your browser: ...
When I sign up, how long until I hear something or receive something?
Learn, Prepare, Prevent Program: You will begin receiving emails immediately after sign up with member's only content such as building credit and scores. If we are missing something such as the sign up form, identityiq link or other, we will notify ...
What's the average dispute time per account type?
Below you will find the average dispute time per account type. Keep in mind these are averages and each client's situation is different. i.e. husband and wife may have a joint account but because they are 2 different people, their file are handled ...