In order for us to better assist you we will need a copy of your credit report. You are entitled to receive 1 free credit report from each bureau per year; Please go to www.annualcreditreport.com and sign up. Once you have all three reports you can either email or fax it to our company for evaluation.

There are several ways of obtaining a credit report

1) You can get one free from www.annualcreditreport.com

Cons - It does not give you the scores

2) You can order consumer credit reports from www.CreditExpert.com , www.PrivacyGuard.com , www.FreeCreditReport.com , or www.TrueCredit.com 

Pros - It will not add any inquiries to your credit.  You can sign up for usually a low monthly fee and are able to view and update your credit report every 24 hours.

Cons - It can get expensive - $40 & upwards per online order.

3) You can order Tri-Merge Mortgage Credit Report from US!

Pros - It has all the things we ask for, its only $25.00 (as opposed to $40 + ) and it has all 3 scores.

Cons - It will add an inquiry to your credit report.

How the Process Works

1. Sign Up
   Sign up is easy online or by telephone. If you prefer, you can sign up by calling us at 818-574-7170 or 310-929-7549. Our specially trained credit consultants can answer any questions you may have.

2. Send in your credit reports
   Send your credit reports via email, fax or mail. If you don't already have a copy of your credit reports, just let us know and we can assist you in getting them ordered and sent to us.

3. Wait
   1st Line Credit professionals will analyze your case and all the information provided to determine the most effective strategy to remove the negative items pursuant to the Fair Credit Reporting Act, the Fair Credit Billing Act, Truth in Lending Act, and Fair Debt Collection Practices Act, as well as other applicable Federal statutes.

4. Contracts
   Once you give us the go to work on your case, 1st Line Credit will go ahead and mail out the necessary documents and contracts to be filled out, signed, and sent back. As a professional institution, we like to keep everything legal and binding. Once complete, we will wait for you to return the prepaid envelope with the proper documents.
   

5. Forward Responses
   You'll receive responses directly from the credit bureaus and your creditors, if applicable. Forward copies of the responses to 1st Line Credit and we'll review the results with you. If necessary, we'll instigate additional measures to enforce your federal rights.

6. Log In to the Members Section
   Each client will receive login instructions to the Members Area of the website where you can log in and view the status of your case, post questions or comments you may have regarding the case.