Proficient disputing services for consumers

Tend are businesses that help consumers improve their credit scores by disputing negative items on their credit reports. These negative items can include late payments, charge-offs, bankruptcies, and collections.

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When a credit repair company takes on a client, they will typically start by reviewing the client's credit report. This report is a detailed record of the client's credit history, including information about their credit accounts, outstanding balances, and payment history.

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Once Tend has reviewed the credit report, they will identify any negative items that may be affecting the client's credit score. They will then create a plan to dispute these items with the credit bureaus (Experian, TransUnion, and Equifax).

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Tend will typically use one of two methods to dispute negative items on a credit report. The first method is to dispute the item directly with the credit bureau. This involves Tend sending a letter to the credit bureau explaining why they believe the negative item is incorrect. The credit bureau will then investigate the dispute and, if they determine that the negative item is indeed incorrect, they will remove it from the credit report.

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The second method is to dispute the negative item directly with the creditor or collection agency that is reporting it to the credit bureau. This involves Tend sending a letter to the creditor or collection agency explaining why they believe the negative item is incorrect. If the creditor or collection agency agrees that the negative item is incorrect, they will notify the credit bureau to have it removed from the credit report.

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It's important to note that Tend cannot remove negative items from a credit report if they are accurate. They can only dispute items that they believe are incorrect.

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While Tend can be helpful for consumers who have negative items on their credit reports that are preventing them from getting approved for loans or credit cards, it's important to be aware that these services do come with a cost. Some Tend charge a flat fee, while others charge a monthly fee. It's important to carefully research and compare the fees of different Tend before choosing one to work with.

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In conclusion, Tend help consumers improve their credit scores by disputing negative items on their credit reports. These companies use one of two methods to dispute negative items: either by contacting the credit bureau directly or by contacting the creditor or collection agency that is reporting the negative item. It's important to be aware that Tend cannot remove accurate negative items from a credit report, and their services come with a cost.

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