How We Not Me Financial Group Works
A process built on consumer law — audit, dispute, rebuild. Here's what happens from start to finish.
Free Consultation & Credit Audit
We start with a free 30-minute consultation. You share your credit reports (or we guide you to pull them). Our team reviews all 3 bureaus — Equifax, Experian, and TransUnion — and identifies every negative item — anything inaccurate, unverifiable, past the reporting window, or reported in a way the record does not support.
You receive a full written breakdown of what's disputable and a clear explanation of the strategy before you sign anything.
Dispute Filing
We prepare and file documented disputes with every bureau reporting an item. Under the FCRA, bureaus have 30 days to investigate, and anything they cannot verify has to come off.
How each item is approached depends on what the audit turned up — the type of item, its age, who is furnishing it, and what the reporting record actually supports. That judgment is the work, and it is not something we run from a template.
Equifax
Filed and tracked separately.
Experian
Filed and tracked separately.
TransUnion
Filed and tracked separately.
Validation & Escalation
Collection accounts get a separate treatment. Under the FDCPA a collector has to substantiate what it is claiming — the amount, the original creditor, and its authority to collect. Debts are bought and sold repeatedly and the paperwork frequently does not travel with them.
When an item comes back verified and the record still does not support it, we press further through the channels the law provides. Which of those applies, and in what order, depends on the item and what the investigation actually produced.
Monitor, Report & Rebuild
We track bureau responses monthly and report all deletions in writing. Simultaneously, we guide your credit rebuild: secured card strategy, authorized user positioning, and credit builder accounts to add positive history while negatives are being removed.
Business credit clients run a parallel track — Net-30 vendors, Paydex building, and funding readiness all happen alongside personal credit repair.
The laws we use
on your behalf
Every dispute is grounded in federal consumer protection law. Here's what protects you.
FCRA — Fair Credit Reporting Act
Requires credit bureaus to investigate disputes within 30 days and remove unverifiable items. The backbone of every dispute strategy.
FDCPA — Fair Debt Collection Practices Act
Requires debt collectors to validate debts upon request. Collectors who fail to respond or can't validate must cease collection and reporting.
CROA — Credit Repair Organizations Act
Protects you from predatory credit repair companies. Requires written contracts, prohibits advance fees, and gives you a 3-day cancellation right.
Your free consultation
is 30 minutes.
Our team will review your credit, identify every disputable item, and give you a written plan before you commit to anything.