Bye Negative Credit

Once you have retained the Ott Credit Solutions to optimize your credit report we
will complete initial analysis of your file to determine the optimal course of action
and immediately begin the dispute process using all of our knowledge and
experience to professionally draft and send correspondence directly to all three
credit bureaus, the collection agencies, and original creditors. The manner in
which all correspondence is drafted has been carefully crafted over many years to
ensure that both the bureaus and your creditors MUST take notice. The precise
nature of the correspondence that is sent on your behalf is a key ingredient to the
success of your case. The same Federal laws that protect consumers have also
left open several large loopholes that provide credit bureaus and creditors the
ability to deprive you of many of the protections that the law was intended to
provide you with. The manner in which the laws have been drafted provide the
bureaus with the ability to refuse your requests to investigate a dispute under
several different circumstances. In fact, over the years it has become apparent
that a very large percentage of self-drafted consumer letters are disregarded and
ignored by the credit bureaus. Once our professionally drafted correspondence
reaches the credit bureau, the law requires them to fully investigate the claim
within a 30 day period and either elect to verify or delete the disputed information.
During this time, we will be sending additional correspondence to the collection
agencies and original creditors. While the bureaus are investigating, we are
demanding additional documentation, required by law, from them as well. Upon
the conclusion of the bureaus investigation a copy of their results accompanied by
a new copy of your credit report will be sent directly to you. Based on a careful
analysis of this new information our team will continue to fight to optimize your
credit until you are 100% satisfied with the results. Federal law requires that
every item on your credit report must be accurate, verifiable and non-misleading
in order for it to be properly presented on your credit report. If the bureau
investigation reveals that the disputed item is only partially inaccurate, the bureau
has the option of changing the disputed item to reflect it accurately. In most
situations the items that are being disputed cannot be verified for numerous
reasons such as a lack of information or the creditors simply determining that it is
not worth dedicating their resources to supply the required verifying information. It
is for these reasons that with proper enforcement of the available Federal laws
the Ott Credit Solution team can optimize your credit.