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The on-boarding process will take approximately 72 hours in total to complete, most time its less. At this time you will be required to provide proof of identity from a designated list. In order to move quickly, please have documents ready at signup. You will receive a confirmation of all items in dispute, a recommended plan of action for trade lines, login details will be emailed to you directly for you to set up your client portal and sign your contract and set up your terms for auto payment for services rendered.Metro 2 compliance disputes are the industry best dispute methods and this service is only offered to clients. I don't want anything less than the best for you.
You will be required to get three to four new trade lines, no matter that your profile looks like. This is because, future lenders like to see 15+ positive primary trade lines on consumer credit reports. While I will not have that many, you can add as many as you need at a later time. This history, gives the best indication of likelihood to pay, increasing your chances of approval for future loans.
Metro 2 Attacks are conducted of a 4 part minimum attack system. The letters are sent out between 20-45 days per round following any initial attack, be it 2nd, 3rd, 4th or other wise. After the 4th attack, results should be judged no sooner than 120-180 days after the initial attack. And if any accounts remain, the most effective letter is then sent out for account deletion. It is necessary to know that not every account will be removed. This system was not created to remove all accounts, but to remove all accounts with compliance errors that are not certified
You'll begin to get reports in the mail within 10-14 days and results within the first 45-60 days. The reports that you get may be necessary to get other accounts removed and should be. As each month progresses, your file will be handled more aggressively to attack the compliance and reporting. By 180 days, as long as you follow the program, make all your creditor payments, your credit file will be drastically healthier with reduced negative items and clear in due time. This will depend on how many times items have been disputed prior to entering the program. Although this will not affect some clients, it is necessary to know so that the best efforts can be made right away.
As a client, depending on your goals, you will be required to pay your debts for reduced amounts as accounts will be eligible for deletions with negotiations. I know you've heard that you don't have to pay debts, but that's simply NOT true. The reason for this is to prevent the debt from being sold to another company and hurt your score again at a later time. Imagine getting ready to buy your home and then an unpaid collection returns, drops your score 90 points and prevents you from getting your dream home. Even if you pay it in that moment, it could drop your score even more. Talk about stressful!
For every person you refer that enrolls, you'll receive $25 sent to you via Pay pal or Cash App (your choice) as a thank you. They MUST use your name at time of enrollment in order for it to be honored.
If you are actively enrolled, this can be substituted to reduce your monthly service fee if you prefer.