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   American Credit Auditors, LLC utilizes the "Multiple Auditing Process (MAP)" to have the inaccurate items removed from your credit reports. There are Federal and State laws in place to protect the consumer from inaccurate and unverifiable credit reporting. We assist you in enforcing these laws by implementing our strategy.

1. Thorough research and investigation of credit and collection agencies information, inquires, public records, and source of information.
2. Carefully audit the Credit bureaus; Equifax, Experian, and TransUnion.
3. Reinvestigate the credit bureaus and ask for method of their investigation.
4. Validation of Debt having creditors produce original documentation
5. Revised Validation of Debt.
6. Negotiate settlement if necessary contingent upon complete removal.

   We don't just write letters or dispute online with the credit bureaus like most credit repair companies. We use certified mail to professionally audit creditors and collection agencies directly. Most credit repair companies only send out generic forms of dispute letters, which you could do yourself. The problem with this method is that there is only about a 25% chance anything will even get deleted. Even if a couple of items were removed, it would most likely come back on your credit the next time the creditor re-report to the credit bureaus (generally 60-90 days later). Our dispute process ensures that the maximum amount of inaccurate or unverifiable information is permanently removed. Our intense audit demands validation and verification of derogatory information using the:

1. Fair Debt Collection Practices Act
2. Fair Credit Reporting Act
3. Fair and Accurate Credit Transaction Act
4. Health Insurance Portability and Accountability Act

   These four Federal laws have been established to protect consumers' credit reports. Creditors and credit bureaus are legally obligated to produce documented evidence within a reasonable amount of time, generally 30 days, to prove the information they are reporting. If they cannot validate their claims, they must promptly remove any undocumented information from the consumer's credit report. The results from our credit restoration service will change your future because we will improve your credit.

   Yet, some consumers may achieve results in restoring their credit without professional assistance. The following is a guide to help you determine whether or not you should seek professional assistance in your credit restoration efforts.

   Attempting to restore your own credit while failing to dedicate sufficient time or attention can result in further damage to your credit rating and may make it impossible for anyone to restore your credit for you. For this purpose, we'll give you a preview of the time commitment required to restore your credit. Examine very carefully your capabilities and your schedule before deciding to restore your own credit.

Example of a Month's Activities in Restoring Your Credit by the HOUR:

Monitored calendar daily to check deadline of each of three credit bureau correspondences. 
1 Hour

Drafted three new original credit bureau query challenges.
2 Hours

Visited post office three times to mail correspondences by Certified Mail/Return Receipt Req.
3 Hours

Carefully analyzed and marked three credit reports to find negatives/deletions/ positive change.
1 Hours

Drafted 2 tardy credit bureau response follow-up letters.
1 Hour

Visited post office 2 times to mail follow'up letters by Certified Mail/Return Receipt Req.
2 Hours

Responded to 2 credit bureau stall letters by providing further information/ challenging time loss.
2 Hours

Visited post office 2 times to mail stall responses by Certified Mail/Return Receipt Req.
2 Hours

Responded to 1 "frivolous or irrelevant" credit bureau rejection of dispute letters.
1 Hour

Visited post office once to mail "frivolous or irrelevant" claim Certified Mail/Return Receipt Req.
1 Hour

Requisitioned three new credit reports at an estimated $12.00 each through local credit bureau. 
1 Hour

Drafted 5 letters to creditors to challenge and demand further documentation.
2 Hours

Visited post office once to mail letters to creditors Certified Mail/Return Receipt Req.
1 Hour

Carefully analyzed 2 responses from creditors with billing histories and promissory agreements.
1 Hours

Contacted three state, federal, and licensing organizations to locate addresses and forms for complaints.
2 Hours

Prepared complaints to three state, federal, and licensing organizations.
2 Hours

Visited post office to mail complaints Certified Mail/Return Receipt Req.
2 Hours

TOTAL HOURS PER MONTH (FIRST MONTH): 27 Hours

   This chart shows liberal estimates of time required to restore your own credit. If you are a married person working on his/her credit together, you can add 40% more to the total time required. This time investment will continue on a monthly basis, gradually shrinking as creditors agree to delete their listings. On the average, you can expect the process to take between nine to eighteen months, unless you have very little negative credit (meaning, one negative item per report.)

   Each response to a creditor or a credit bureau must be an original and must pertain specifically to your present situation or you may be red-flagged as a frivolous credit repair troublemaker or be ignored altogether. There are no effective "form letters" or "fill in the blank" responses that yield results. Credit bureau checkers spot form letters easily as the sign of someone attempting to restore their credit. As such, these letters generally earn a swift "frivolous and irrelevant" response.

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