Credit Repair Process Explained in 4 Steps | God Is Working Restore

Our Credit Dispute Process (4 Phases)

We follow a structured 4-phase dispute process rooted in FCRA and Metro2 standards:

🔹 Phase 1: Personal Information Cleanup
– Removing outdated names, addresses, employers
– Disputing clearly inaccurate or unverifiable items

🔹 Phase 2: Metro2 Compliance Round
– Reviewing reporting format compliance using data furnisher rules
– Challenging technical reporting violations

🔹 Phase 3: Factual + Legal-Based Challenges
– Leveraging documented errors and violations
– Issuing advanced dispute language backed by consumer law

🔹 Phase 4: Final Escalation
– CFPB complaints or legal referral for unresolved accounts
– Final validation requests and settlement recommendations

You’ll be updated after each round through email and your portal.


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