The Process

credit-repair

What to Have

In order to begin, you will need the following:

  • a valid CreditKarma login username and password. Please visit www.CreditKarma.com in order to set up an online account, or
  • a valid self-paid Experian monitoring service that allows access to your report through all 3 bureaus, or
  • any credit monitoring service of your choice that allows access to more than 2 of your reports online with monthly updating.
  • An alternative is retrieving your annual free credit report from www.annualcreditreport.com (retrievable via online or by mail),
  • or any credit reporting company that allows the monitoring of all three of the reporting agencies (note, there may be a fee for this service, this is the responsibility of the client).

NOTE: Intake is limited to 10 new clients or less per calendar month. To inquire on availability, please submit your request via Contact Us

✔ Designate up to 30 minutes for an in-person consultation or telephonic consultation.

You will also need to provide:

  • Your current address
  • social security number,
  • and a copy of your driver’s license with the most recent/u[dated address must be available. Please provide your most accurate up to date address if it is not already listed on your drivers’ license. We are not liable for any information sent to or filed to an old or incorrect address if not updated by the client. You can email your documents to emailus@sflncs.com, including any documents that need to be updated.

✔ Payment is required to begin services, payable via:

  • CashApp
  • Apple Pay
  • Zelle

at the time of booking. You can also complete payment by requesting an invoice. Credit consultation only is $25 for up to 1 hour after initial consult. No submissions are made in consultation to credit bureaus.

Your Rights

Credit information is reported on your credit report but does not mean that information is accurate. It also does not mean that information is wrong either. Under federal law, you have a right to an accurate credit report. You have a right to challenge information you believe may be unverifiable, obsolete, questionable, or incomplete. You do not have the right to challenge everything and anything on your credit reports, including information you believe is 100% accurate, without regard to the laws. You have a right to 100% accuracy of the information on your credit report. And there are laws which protect this right.

In no way of advertisement or promotion do we solicit creditkarma.com or annualcreditreport.com as a partnership in affiliation with SFL Notary & Credit Solutions, LLC. These sites are listed only for your convenience to access. 

Here’s how it works:

  • Obtain your credit report for FREE, if you are unable to do so, you can pay for your credit report and email or print it out.
  • Analyze what are your credit goals and select a package from here that will fit your needs. Consultation is available for selecting the right option as well if you submit a Contact Us request for a call, email, or appointment.
  • Allow the allotted time frame for changes or acknowledgment to occur on your credit report (an average of 30 to 45 days). We will review any information that returns from the bureaus to confirm validity. It is the client’s responsibility to share all information received via mail or email with us in order to provide efficiency in services being rendered. Any information not submitted within 30 dates forfeits the package and client will have to purchase a new package. 

NOTE: Some disputes may require additional processing or time in order to complete. In complicated cases, it may take between six months to one year to remove all inaccuracies. Please remember to be patient and keep in mind that it takes time to rebuild your credit, in rare instances almost twice as long as it took to damage it.

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