Program Description The Credit Sweep is a "Clean Up" program that's designed to remove all inaccuracies from a credit report. Unlike many other credit removal programs which are only effective at removing one specific type of derogatory or derogatories that are at least two years old or older, the primary feature of this program is its thoroughness in removing, suspending, or bringing current any derogatory on the credit report, regardless of age or type. It is effective in removing up to 90% to 95% of all inaccuracies with a two-year guarantee that the inaccuracies removed will not repopulate onto the credit report within two years.
Timing Six Months in duration with some results occurring in four months
Best Use This program is most effective when the report is virtually littered with "derogs" of many different varieties and the credit score has taken such a hit that the borrower literally has to rebuild his credit
Duration: 180 days (6 months).
The objective of this program is to ensure that the credit profile is 100% accurate.
The "Clean Credit Sweep" will attempt to turn a derogatory trade line/account into a positive rating account first, before the deletion of the whole trade line/account is processed when necessary.
This program does NOT address Public Records.
Approximately 4 credit sweep cycles occur throughout the program, depending on clients' cooperative involvement.
One Cycle = The vendor originates a dispute and/or audit directly to the bureaus, creditors or collection agencies. The client receives a response from the initiated dispute and/or audit in the form of correspondence containing detailed information. The client immediately forwards the correspondence via mail directly to the vendor. The vendor e-mails the client a confirmation of received correspondence. After careful review, the vendor sends e-mail to the client with updated information.
First cycle: 45-60 days (approximately 25% - 40% of inaccuracies deleted).
The vendor will deliver a "Welcome package" directly to the client within the first 45 days. This package contains: instructions and self-addressed labels for the clients to forward all correspondence received from the bureaus, creditors or collection agencies straight to the vendor.
At 180 days: All inaccuracies will be permanently removed.
NOTE: If a trade line/account (open/active) is cleaned and a new derogatory occurs during the program, it may sometimes be removed, but not guaranteed.
WARNING: Do not apply for any new credit or authorize any inquiries into your credit profile during this 6-month program. Applying for any credit offers or loans can have an adverse effect to the success of the system.
This program guarantees "permanent deletion" for up to two years after the completion of the program. If a derogatory account returns which was previously deleted, it will be removed again free of charge.