Our Process
Discover how we turn your financial goals into reality with our effective credit repair process.
Credit Report Analysis
At LDA Credit Services, the first step in our process is a thorough Credit Report Analysis. We meticulously review your credit reports from all three major credit bureaus—Experian, Equifax, and TransUnion. This helps us identify any inaccuracies, errors, or negative items that may be affecting your credit score. Our team of experts will then create a comprehensive report detailing the issues found and explaining how these issues impact your overall credit health. This initial analysis is crucial for laying the groundwork for effective credit repair and helps us tailor a personalized strategy to improve your credit score.
Credit Score Improvement
Once we have a clear understanding of the issues on your credit report, we move on to the Credit Score Improvement phase. Our experts will dispute inaccurate or outdated information with the credit bureaus, creditors, and collection agencies on your behalf. We also provide actionable advice on how you can improve your credit score, such as paying down high balances, avoiding new credit inquiries, and maintaining a balanced credit utilization ratio. Throughout this phase, we keep you informed and provide regular updates on the progress made. Our goal is to ensure that your credit score reflects your true financial responsibility.
Debt Negotiation
The final step in our process is Debt Negotiation. We understand that outstanding debts can significantly impact your credit score and overall financial well-being. Our experienced negotiators work directly with your creditors to settle debts for less than the full amount owed. This not only helps to reduce your overall debt but also mitigates the negative impact on your credit score. We aim to create a sustainable financial plan for you by negotiating for better terms and lower interest rates. This step is essential for ensuring long-term financial stability and helping you achieve your financial goals.
Ready to Improve Your Credit?
Contact LDA Credit Services today to start your journey toward better credit and financial health.