"Higher Ethics, Stronger
Relationships, Better Business."

How it Works

Truth is stranger than fiction. While the credit bureaus insist it cannot be done, our government is inclined to believe them. And although we’ve been proving them wrong since 2000 they refuse to accept this truth as being self-evident.

Don’t believe the hype. RWC’s service has been alive and working for five years. In that time we have made great strides in our methodologies, continually refining and redefining our strategies for optimal performance. Although the details of the process have changed over time, the underlying principle has remained virtually the same. Here are the four essential steps that make up the process of cleaning up your credit reports. These steps are repeated until you are satisfied with the results.

Step 1: Credit Consultation.

Pursuant to a consultation/full review of your current credit profile, the process begins upon contracting. You begin each cycle by forwarding to us copies of your credit reports from all three of the major credit bureaus. Keep in mind that the credit bureaus will only correspond directly with you, not RWC. Without receiving these updated reports we have no way of knowing which items were removed successfully. Updated reports should be mailed to our office, not faxed or emailed (see the details link for more information.) insert link

Step 2: Choose which items to dispute.

Once your credit reports are received the RWC processors enter the information into your client file. The RWC teams begin to dissect each trade-line to be disputed and then determines the why and how. Sound complicated? Not to worry. Our team works with you by collecting information surrounding your profile that assists us in helping you achieve deleted accounts.

Step 3: RWC works your case.

RWC begins the dispute process by drawing upon its vast arsenal of credit report repair strategies and experience to challenge negative items directly with the credit bureaus. Depending on the number of negative items on your credit reports this step will be repeated for each subsequent loop through the cycle.

Step 4: Sit back and relax.

The credit bureaus have 30 days to investigate your dispute. After that, they must inform you of the results of their investigation, update your credit report and send you a copy of the updated report. It usually takes 60 days between the day we send a dispute and you receive an updated report. When you receive a response from a bureau, make a copy of the updated report for your records then send the original to RWC to move your case forward. Thus the cycle begins anew, this time hopefully with fewer negative items on your credit report.

Why RWC needs updated credit reports.
Our ability to delete negative items is dependent on having up-to-date credit reports. Without copies of your current credit reports we can do very little to improve your credit. Sometimes clients forget to forward their credit reports. Other times the credit bureaus fail to send updated reports to the client. In either case the process slows until we receive updated credit reports. It is therefore crucial that you forward updated reports to RWC as soon as you receive such from the bureaus in order for RWC to keep your case moving forward.

Why RWC requires reports to be mailed.
While faxing can be a faster way of getting your credit reports to us, it is also much less reliable than mailing them to our office. Fax machines can vary greatly in quality. As such facsimiles are often illegible due to smears, smudges, or other artifacts caused by the inferior quality of some machines. This makes it particularly difficult to read the small typeface commonly found on credit reports, and thus delays the process unnecessarily. To avoid these problems which can cause significant delays we have adopted a policy which requires clients to mail the reports to us instead. This is the only way to guarantee that we receive legible and accurate reports from our clients. To expedite the service you may want to consider mailing your reports via overnight or priority mail.