We can legally clear all derogatory and negative information from your credit report by challenging each individual one.

This is done using the Fair Credit Reporting Act of 1971, which has over 300 federal laws that the credit reporting agencies must follow. The most important of these is that they must be able to verify the accuracy of the information on your record. The credit reporting agencies must remove information from consumer credit reports when it is found to be inaccurate, outdated, unverifiable or misleading. C.I.R.C. presents multiple challenges to these agencies that must then verify the information within 30 days or the items must be deleted. Once an item on your credit report is challenged the credit bureau has to contact the company that put the item on your credit report and verify this information. They must do this within 30 days. While this is happening we are presenting other challenges on the same item. We have 500 challenges that we strategically make on each item on your credit report until it is deleted. We can handle any item from a late payment to bankruptcy.

WE USUALLY CLEAR 70% OF NEGATIVE ITEMS WITHIN 90 DAYS.

Once you receive your credit reports from the 3 major credit bureaus, look though your credit reports. You then choose the items you want challenged. We start challenging them and you are kept updated on their progress. We can usually clear about 70% within the first 90 days.

Here is the overall process:

Step 1	C.I.R.C analyzes your credit reports for possible FCRA violations. There are over 300 regulations governing credit reporting.
Step 2	C.I.R.C's computerized system submits the disputed items to the credit reporting agencies enforcing Federal compliance with all challenged items on your report.
Step 3	If the credit agency has not complied with the areas addressed in Step 2 it must delete the negative items from your credit report.

HOW WE DO IT:
We have arrangements with several different companies that will guarantee you the amount of credit you choose within 72 hours. This credit is not so that you can go shopping and run up more debt: it is for the purpose of your raising your credit score. You select how much credit you would like to add. Let's say for this example you would like to add $15,000. You choose two companies from our list. They approve you for $7500 each in credit and report this to all 3 of the major credit bureaus. Now on your credit report, it will look like this: