Credit Investigation & Arbitration     CIA

The Goal of CIA

Our Main objective is to help our clients get the credit rating they deserve. CIA was founded by a group of people who have been victims of the credit reporting system and had a strong desire to try and make a difference.

What is the difference between your service and everyone else’s?

The traditional way consumers and other credit repair services have been cleaning credit through dispute letters. To dispute an item the consumer or repair agency drafts a letter explaining why the item is inaccurate, obsolete, or unverifiable then mails it to the credit bureaus. When the bureaus find the letter, it is up to them to contact the creditors with the dispute. If the creditor does not respond with 30 days the bureaus remove the item.
While this may sound easy, any person who has attempted to dispute their own credit or hired an outside agency to do it for them will tell you otherwise. According to federal law, the credit bureaus can ignore your dispute under a variety of conditions. In our experience, a large part of dispute letters sent directly from consumers are rejected on technical issues rather than the validity of the dispute. In general, unless the information is truly inaccurate and there is proof to support it, disputes are resolved by the creditor as false an the bureaus keep reporting the disputed items rendering all the effort, time and money put into the disputes completely wasted. This only scratches the surface on the problems with dispute letters.
One key issue inherent to the dispute method is that the majority of the letters the bureaus receive are simply lies and the bureaus know this. When the consumer or agency sends the dispute letter they are banking on the hopes that the creditor doesn’t respond in that 30-day window of time so the bureaus will be forced to remove the item by default. Often times any derogatory credit removed by the disputing method will return to the consumer’s reports when the creditors verify the disputed information with the bureaus.

At CIA, we attack the negative credit using more effective angle. Our results come faster, we’re able to tackle even the biggest credit problems, and everything we delete from the client’s report is PERMANENT. We go after the creditors for not following specific consumer credit laws when reporting to the bureaus. We’ve found that the creditors cut corners to save themselves time and money and we’re catching them at it. Instead of disputing the item with the bureaus, we go directly to the creditor responsible for the derogatory item and charge them with fraud.

There are laws that protect you and your credit. By understanding the intricacies of these laws, CIA can turn the law against any company that places a derogatory item on your credit report.

~Testimonial~

 "... after some

research I decided to

give CIA a try. The

results have been

better than expected.

Several items have

been deleted from my

credit report and more

importantly my FICO

score has dramatically

improved. I was

recently approved for

'best rate' financing on

a new car and a home

construction

loan.Thanks, C.I.A!"

- B.K, CIA Agent