Personal Credit

At Credit by Denise, our primary goal is to help our clients obtain financial freedom by enrolling in our credit, Score Improvement Program.  Our program directly identifies any derogatory or erroneous items affecting our client’s credit score. Then our credit dispute process will begin. 

The dispute process may take several rounds to achieve the desired result. Each time we send a dispute letter to either the credit bureaus or furnisher of account, the dispute is investigated. In most cases, a written response will be mailed back within 30-45 days. The response letter should include the investigation results for each disputed item. 

While enrolled in our credit program, we highly recommend our clients use IdentityIQ credit monitoring and identity theft protection services. IdentityIQ is a U.S.-based identity theft protection company that offers four tiers of security to guard your identity. Their services allow you to get an updated credit report every 30-days, so you’ll be able to track changes and improvements made to your credit report.