DLB & Associates Inc. is a national company specializing in personal and business credit consulting and restoration. We have helped hundreds of consumers restore their credit by removing inaccurate or unverifiable information from their credit report. We specialize in challenging charge-offs, collections, late payments and public records. In addition, we remove inquiries from your credit report. We also assist clients to establish credit that reports to the three major credit bureaus.
We guarantee the best customer service in the industry because we are honest, trustworthy and reliable. We perform the credit restoration process in the shortest possible time by tailoring it to individual lending programs.
With our process and proven results, we have helped hundreds of consumers gain approval for loans they never dreamed of, as well as, saving them thousands of dollars on interest rates when financing homes and automobiles. Our focus is to safely and effectively restore your credit by removing negative, inaccurate, or unverifiable information from the three major credit reporting agencies and consulting with you on several ways to boost your credit score. Through our extensive experience and effective strategies, we help improve your credit standing.
Process The Credit Restoration Process
Customer provides order Information
This can be done over the phone, faxing in authorization form, submitting order online, or completing paper application in office.
Customer provides Payment
Currently we accept the following payment types: Moneygram, Money Order, Cashier's Check, Business/Personal Checks.
Credit Report is pulled
Client's credit is pulled first identifying all derogatory items in credit report. Next, every derogatory item is classified by derogatory type (slow pay, charge-off, tax lien etc.)
Client's Online Results tracking account is populated with derogatory information on a per Bureau basis
Every derogatory item is input into our proprietary software populating online results tracking information for client to track progress.
Order is now Queued for Processing
We initiate the online challenges and we ask that client enroll in a credit monitoring program of their choice. We have numerous affiliate programs available. Once enrolled, email the online access information (login & password) to
dlbteam@ymail.com.
Disputation Created
We will furnish dispute documents that will be mailed out via certified mail. These documents are required for the permanent removal of the disputed items on the credit report. After mailing the documents please email or fax the 16 digit confirmation numbers for each bureau to our office at 612.233.9895.
Developing additional credit program
Some of our clients may not have sufficient credit so we do offer numerous different credit programs to assist the client to attain additional credit. The programs include secured/unsecured credit cards, lines of credit and loans etc. Each program has been verified to report to all three bureaus.
Results
Our unique expedited process produces tangible results within 30-60 days. Our process only provides permanent removals.
Client receives deletion report from credit bureaus
Every client will receive a deletion report from all three credit bureaus within 30-60 days.
Client returns deletion report
The only required participation by our clients is to mail out the dispute documents by certified mail. We will also need every deletion report received from the three major Bureaus. Deletion reports can be faxed, mailed, or dropped off if local.
Online results tracking is updated
Upon receiving deletion reports we audit the deletion report for removed derogatory items. Next the online tracking system will publish the received new information.
Next round Disputation processed
Once again we publish the next round disputation based on the updates from the received deletion reports. Every client receives a year of service. This is more than enough time to repair your credit.
