JRW Top Beacon helps clients take on their credit by disputing the inaccurate, unseasonable, deceptive, biased, incomplete or subjective negative items from their credit reports. In addition, as a Premier member, JRW Top Beacon will take advantages of services designed to modify, monitor and protect your credit rating.
Once we receive your credit reports, we will analyze them and add the negative items they contain to our system to keep track of how severely they are affecting your credit rating.
Once you have selected which items you want us to dispute, JRW Top Beacon will prepare the appropriate intervention or dispute letters. These letters are intended to transmit your dispute in such a way as to prod the credit bureaus to carry on an investigation.
At the determination of the credit bureau’s investigation, a new copy of your credit report should be sent to your home along with any deletions or advancement if any were made. If you are not satisfied that the questionable, negative credit has been resolved, send us a copy of the new credit report and the cycle will begin again.
Apart from the credit bureau dispute process, we add interventions such as intensified account investigations, intangible interventions and official requests for debt validation. These interventions do not necessarily follow the same dispute cycle as the credit bureau disputes and are planned to increase the probability of accelerated results.
In order for a credit bureau to keep a disputed credit listing on your report, they must have evidence that it is accurate, timely and verifiable. If the credit listing is only somewhat inaccurate, the credit bureau may simply change the item to reflect the accurate status. Very often, though, disputed credit items cannot be verified because the creditor no longer possesses the information or does not wish to go to the trouble of verifying it. In these cases, the listing should be removed. Also, the credit bureau reinvestigation must be completed within 30 days, though the credit bureaus do not always meet this deadline, or the listing must be removed. However, be aware that in these instances, once the bureau finds evidence of the listing, the item may eventually re-appear on your credit report.
For these reasons, properly disputed questionable credit listings have been removed with remarkable consistency.