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                 “I just received my first set of updates and I cannot believe the progress you have made. I am so glad that I have taken the time to understand your process as I was quite skeptical, but I now know that what you do really works. I understand there is still more work to do, but the results so far have been great. Thank you again for helping improve my life.”
Cheryl S.
Fountain Valley, CA |
Our Process
Maintaining a clean credit report is vital to one’s financial well-being as it can affect ever aspect of our “financial” lives, including denial of credit, a loan or even employment opportunities. We are a consulting company specializing in improving your credit positioning. We consult with clients on their credit profile, analyze their credit profile, and verify former addresses, employment and aliases listed on their report. We check the validity of accounts, balances shown, days outstanding and related items. For those clients who have erroneous or inaccurate information in their credit profiles, we prepare letters with the corrections and send them to the Credit Bureaus (Experian, Equifax and Transunion.) If there are no corrections needed, then we work with the Creditor to verify those accounts identified as inaccurate, outdated, misleading or unverified. Every time an action is performed on your behalf, you will receive notification by email or regular mail describing the steps taken. We want you to be a part of this process. It is your credit profile we are trying to improve so it is important you are aware of how to manage your accounts in order to achieve the best possible credit score. Our system and procedures specifically request that the Credit Bureaus comply with the Fair Credit Reporting Act (FCRA) as well as others. A consumer has the right to full disclosure of the documentation being used to determine the validity of those accounts listed on his/her reports. We will not knowingly do anything that violates the law as it is written. We comply with all federal and state laws governing the Credit Services Organization Act. We are here to assist you with improving your credit score through accuracy and education. It is simple to start. Just take the following steps:
The CLIENT(s) agrees to do nothing to lower their credit scores. This includes, but is not limited to, not allowing companies to check their credit history, paying all their bills on time, not making a major purchase on credit (i.e., a new car or furniture), and not significantly increasing the balances on their credit cards or charge accounts of any kind. All these items can adversely affect your credit scores. The CLIENT(s) agrees to forward all correspondence prepared by Green Tree Financial to the credit bureaus and also agrees to forward all correspondence received from the credit bureaus to Green Tree Financial. CLIENT(s) also agree to stay in communication with Green Tree Financial throughout the entire process. Notice: As a consumer you have the right to review and dispute the completeness and accuracy of any file of yours maintained by any consumer reporting agency and receive a copy of that report containing all information in that file, as provided under the Fair Credit Reporting Act (FCRA) Section 609. A free copy of this report will be provided by the consumer reporting agency each year to the consumer within thirty (30) days if requested by the consumer. You also have a right to a free copy upon request within (60) days of being turned down for credit. Notice: We want you, the CLIENT, to know that you can do all we do on your own. We do not have a magic solution. What we have is a proven Legally Formatted Dispute System that has worked for our clients. Notice of Cancellation: You may cancel this contract without penalty or obligation at any time by E-mail, phone or in writing prior to midnight of the third (e) business day, from the signing of this contract. Upon receipt of your signed cancellation notice, return all original letters, and written information provided by Green Tree Financial to our Processing office at 2101 El Camino Real , Suite 205, Oceanside, California 92054. Any payment made by you under this contract will be returned within ten (10) business days.
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