STEP 4: 

YOU RECEIVE YOUR UPDATED CREDIT REPORTS.

By law, the credit agencies must respond to our dispute letters.  When you receive your updated credit reports by mail within the next 60 days, make yourself copies and forward us the originals immediately.  Upon receipt of your 1st set of results from the credit agencies, a Financial Counselor will analyze your updated credit reports with you to explain your new credit rating with the credit bureaus.