The Credit Restoration Process

• A HCR direct consultant or approved affiliate will meet with or speak with a prospective client and provide a free credit consultation designed to inform the prospect of their current credit standing and to offer information which will benefit and aid them in attaining their future credit goals.
  
• A prospect will choose to register as a HCR member either through utilizing our easy on-line registration process or register by phone or in person with a HCR direct consultant or approved affiliate.

• After initial enrollment and payment information has been received and accepted by HCR, ( including the simple application form and payment authorization for monthly investment plans if a client does not choose to pay in full), a client will receive  a welcome confirmation e-mail within one working day.
  
• All welcome confirmation e-mails will provide introduction to the attorney (each client will have their own attorney who represents them against the bureaus) as well as their customer service representatives name and phone number, and the name and phone number for the HCR principal.
  
• The client will receive a HCR welcome packet within five working days which contains specific instructions and forms to be filled out by the client (easy to do) and returned to our business address of:mailing (NOT BUSINESS) address of:
  
  HCR
  1120 Cliff Ave. Suite 505
  Tacoma, WA 98402

• Once HCR receives a client's complete and properly filled out Power of attorney form, proof of address and ID as well as their credit reports or form to attain their reports (provided) their paralegal will prepare their first demands under the direct supervision of their assigned attorney. Remember no two credit reports are exactly alike therefore to obtain the best results possible it will entail more than just letter writing to the bureaus. There are Federal and State laws in place to protect your credit standing. We make sure that these laws are being followed to our client's advantage. We demand validation and verification of derogatory information using the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, the Fair and Accurate Credit Transaction Act and the Health Insurance Portability and Accountability Act. These are only some of the laws which allow us to leverage your case against the bureaus. We also utilize aggressive tactics and loopholes to achieve our unmatched results. The signed challenges are mailed directly to all three credit bureaus (Equifax, Experian and Trans Union).

• The average response time of the bureaus to our challenges is forty eight to fifty two days, the bureaus responses will come directly to the client which will allow them to actually see what has been deleted. The client simply copies the responses for their own records and forwards them to HCR for further review and continuation of their case against the bureaus. A MAJORITY OF OUR CLIENTS COMPLETE THE CREDIT RESTORATION PROCESS WITHIN SIX MONTHS. However, HCR advises clients to expect the process to take up to a year with substantial improvement usually within the first sixty days!
  
• If Debt Negotiation is recommended your attorney will be able to effectively negotiate with creditors or collectors through our debt negotiation program.
  
• Our methodology helps thousands of people per year achieve their credit goals and carve out a better financial position for themselves and their families.

"We believe a stronger consumer creates
a stronger economy which benefits all who
live in this great country."