Our Dispute Process

At First Klass Consults, we follow a structured dispute process to maximize the chances of improving your credit report effectively and lawfully. Here’s what you can expect after enrolling in one of our service packages:

Credit Analysis Phase

  • Review your full credit report from all three bureaus (Experian, Equifax, TransUnion)

  • Identify inaccurate, unverifiable, incomplete, outdated, or duplicate accounts

  • Strategize a customized dispute plan based on your unique credit profile

Important:

You must have active credit monitoring before this phase begins.

Personal Information Dispute Phase

  • Dispute outdated, inaccurate, or inconsistent addresses, names, and employer information

  • Having a clean and consistent personal information section increases dispute success

Initial Dispute Phase

  • Send disputes to credit bureaus and creditors regarding negative accounts

  • Focus on late payments, collections, charge-offs, repossessions, inquiries, and bankruptcies (based on your package)

  • Utilize customized letters citing consumer protection laws (e.g., FCRA)

Monitoring Phase

  • Monitor your credit report for bureau responses

  • Review deletions, updates, or verifications returned from the credit bureaus

  • If an item is "verified" without proper investigation, a reinvestigation or escalation will occurer protection laws (e.g., FCRA)

Follow-Up Dispute Phase

  • Resend disputes for items improperly verified

  • Escalate disputes directly to the CFPB, BBB, creditors, or furnishers when necessary

  • Leverage additional laws and higher-level dispute tactics when needed

Maintenance and Education Phase

  • Provide credit coaching to help you rebuild your score

  • Teach strategies like credit utilization management, positive account building, and smart inquiry management

Important Reminders:

  • Credit monitoring must stay active at all times during the dispute process.

  • Client portal access is provided for dispute updates, document uploads, and secure communication.

  • Client support is available through portal messaging or email during business hours.

  • Disputes happen in cycles (every 30–45 days depending on bureau response times).

Goal:

Our goal is to help you Repair, Rebuild, and Rise by lawfully challenging inaccurate or outdated information and helping you build stronger financial habits for lasting success.


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