ScoreMinders. Our Process 2015

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Our Process 2015

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Customer

purchases

our

Program

On a monthly

basis the

customer will

receive the

Newsletter Series

and eBook

modules

Customer begins

the Derogatory

Removal System

“Customer

routinely goes to

ScoreMinders

website to check

progress.”

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Once we have reviewed and have accepted your application……..Our process is very

simple. You will be disputing reporting law…..not whether or not an derogatory is yours

or not……..but whether or not the credit bureaus have that “verifiable proof ” they are

required by law to have on that derogatory account. So this is NEVER about what type

of derogatory you challenge…..you simply have a right to receive a copy of the Original

Creditor’s Documentation. When you request that same verifiable proof from the

creditor…..they usually comply very quickly and will oftentimes fax or mail you a copy of

your account application/history within 24 hours. That is fine…..but the creditor does

not own the credit bureau report……the credit bureaus do! The credit bureaus are

required to have a copy of that same verifiable proof. They are the agencies reporting

your information to underwriters and Loan Officers….and banks and so forth. Under the

Federal law…..they need to provide you a copy of verifiable documentation if it is

requested by you, the consumer. A Customer has NEVER RECEIVED a single copy of

verifiable proof on a single derogatory account they have challenged…….NEVER! The

Credit Bureaus do not have them on file! All credit bureau reporting is done electronically

via email or fax. But that is NOT what the law says must be done.

IF OUR INTERPRETATION OF THIS LAW WERE WRONG…..IT WOULDN’T WORK…….THE CREDIT BUREAUS WOULDN’T DELETE OR CHANGE ANY NEGATIVE DEROGATORY ACCOUNT IF VERIFIABLE, ACCURATE, UP-T0-DATE INFORMATION WERE PRESENT.

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The following are the details to ScoreMinders step by step approach to

accomplishing your credit profile goals.

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Sign up with ScoreMinders and we send you a welcome packet with an instruction letter

enclosed.

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Next, 24 to 48 hours after you have hired us to work for you, “log-in” on our web site at

Scoreminders.com at “Customer Log-in”. Use your customer log in number we’ve sent

you via the email address you supplied us at time of your sign up. Review the profile

page to make sure it is accurate. Become familiar with this site as you will be returning

to it periodically to review where your case is at in the “Derogatory Removal Process”.

You will probably be able to answer most personal questions you may have as your case

goes forward from the information you find on this page.

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Now, you will need to acquire a copy of your FREE Credit Report and forward it to

ScoreMinders. Your free credit report can be acquired at:

www.annualcreditreport.com

. Just enter the necessary personal information, no credit

card needed to enter, etc. It’s truly free.

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Next, send that credit report to ScoreMinders ASAP.

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With the assistance of our legal team, we will analyze the report and we will draft the appropriate letters and send them to you (email or snail mail) so that you can add your signature. (Please be aware that only 22 negative items can be disputed at any one time [per bureau] so...up to 22 derogatory items can be documented on each of the dispute letters we send to you with the appropriate address on each letter for the credit bureau that letter needs to be sent to.)

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Immediately after you receive the dispute letters, double check ALL of your personal information on them. Should you find any errors, please let us know immediately and we will make the necessary corrections and email or mail corrected copies to you. (FYI – Account numbers may have partial numbers ONLY! That’s fine...but do not edit the letters unless instructed to do so by us.)

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You will then need to make 3 copies of your Social Security Card and Drivers License for yourself and your spouse if he/she is involved in this dispute. If you do not have a copy of your social security card...make a copy of a pay stub or W-2 form showing your name and SSN on it. If that is not available, anything with your name and address on it will most likely work if that’s all you have. (Please Note: If your current mailing address is not on your ID or drivers license, you will need to have a copy of a utility bill or lease agreement with your name and address on it to include them with the dispute letters when you are ready to mail them to the credit bureaus.)

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Now you will need to SIGN ALL 3 dispute letters...and enclose the signed letter with copies of your ID in an envelope and mail them to the address indicated in the upper left hand corner of each letter. You will want to send the letters

“signature required” through the post office as proof of delivery to each of the credit bureaus.

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Remember, during this time, while you and we are going through this process together, DO NOT APPLY for additional credit unless you have been instructed to do so by us. Also, UNLESS IT IS ABSOLUTELY NECESSARY, do not allow ANYONE to pull your credit as we work for you to get your goals accomplished. AND, if possible...PAY ALL OF YOUR

BILLS ON TIME!

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In about 2 to 3 weeks you should start receiving letters from each of the credit bureaus including possibly a copy of your credit report. (We will NOT receive copies of these letters. They only go to you!) These letters are simply “acknowledgement” letters notifying you that your case is under investigation. DO NOT MISTAKE these

acknowledgement letters as proof that the credit agencies have “caved” and have or are removing the items you have disputed from your credit report.

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Most of these acknowledgement letters do not require a response. However, YOU MUST FORWARD copies of these letters to us and with the help of our legal team, we will determine the necessity of responding to each letter in our processing department.

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If needed, ScoreMinders will send response letters to you for your signature to send to credit bureaus.

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Next, 2 to 3 weeks after receiving your acknowledgement letters you will begin receiving the “Results of Investigation”, “Investigation Results”, or “Outcome of Investigation” letter from the credit bureaus; each bureau calls it something different.

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This is the SIMPLEST, but most important step in our process!!!! WE NEED THAT CORRESPONDENCE as quickly as

possible!!! DO NOT ignore these letters! Our legal team cannot proceed with your case without them! Forward

“results” letters to us as soon as possible! Remember, we do not receive copies of any correspondence between you

and the credit agencies. It’s at this point in the process where you will begin to totally understand why you’ve hired us to work for you. ANY TIME you receive ANY correspondence (even if you think it is verification of removal of

derogatories from your report) from ANY credit bureau you must immediately forward it to us so that our legal team can analyze the information and determine if a response is necessary. You have hired us to work for you, let us do our

job so that we can get the best possible results for you. We have a proven system of personal and proprietary

responses that force the credit bureaus to remain focused on the Federal Laws that govern their industry. Experience has shown that they will gladly take your mind off of that fact because they know they have NO verifiable proof of the

derogatory information found on your credit report. WITHOUT YOUR HELP IN THIS CRUCIAL STEP OF OUR PROCESS,

OUR WARRANTEE IS VOID as explained in items 4 and 5 on our “purchase and application agreement.

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At this point, we will draft and send to you reply letters to the “results” letters you received from the credit agencies for your signature and you will need to send them to the credit agencies when needed.

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Now, in those stubborn derogatory case removals that are still remaining on you report, is when we really start to shine and separate ourselves from our competition. This is when we go the extra mile and put our time tested proprietary and personal responses to work for you. That’s why we can GURANTEE IT! We don’t give up. Please know and remember that it’s impossible to get a 100% removal rate. Many times we can work on a specific derogatory that you would like to have removed from your report and are successful in accomplishing that goal, but we cannot guarantee that that will happen. Rest assured though, we do guarantee a minimum of 75% removal of all derogatories found within the initial credit report you gave to us when you hired us.

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If, at anytime after you have sent any correspondence to a bureau that we have had you sign and send to them, and 45

days go by without a response from them, we must immediately be informed, so that we can start our next round of

letters and once again, insure that you get the credit profile you deserve! The credit agencies are experts at using stall tactics and diverting attention. We will not allow that the happen.

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It’s important for you to frequently check your personal log-in page on our web site, to keep yourself informed of what letters have been sent out and when you should have received a response. We try and keep abreast of this information as well, and working together we will make it happen.

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Feel confident you goals will be achieved because of your right to exercise the 75% removal guarantee if we fail to remove 75% of the derogatory items found on your initial report after 2 years.

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