Don’t believe the hype. Beacon Credit has been alive and kicking for over 10 years. In that time we have made great strides in our methodologies, continually refining and redefining our strategies for optimal performance. Although the details of the process have changed over time, the underlying principle has remained virtually the same. This is how we do it.

How it Works
Review of your Credit File. We begin your services by obtaining your credit file and reviewing it with you, identifying items that are hurting your credit score, and advising you on ways to build up positive credit. Then we get to work repairing negative items on your file, while you begin to work to establish new, positive credit. After this, the Credit Bureaus will start to send you updated credit reports, usually within one to two months after we've started your services.
The 4-step Cycle. Here are the four essential steps that make up the process of cleaning up your credit reports. These steps are repeated until you are satisfied with the results.
	Step 1: Forward your credit reports. The cycle begins when you receive letters in the mail from the credit bureaus. These letters will contain your updated credit reports. When you receive them, forward copies to us right away. Keep in mind that the credit bureaus will only correspond directly with you: without receiving these updated reports we have no way of knowing which items were removed successfully.
	Step 2: Which items can we dispute? Once your credit reports are received, our staff enters the information into our database. Using our computer application, we help you identify items to dispute. Click here for a list of the negative items we've been able to remove.
	Step 3: Beacon Credit works your case. Beacon Credit begins the dispute process by drawing upon its vast arsenal of credit report repair strategies and experience to challenge negative items directly with the credit bureaus. Depending on the number of negative items on your credit reports this step will be repeated for each subsequent loop through the cycle.
	Step 4: Sit back and relax. The credit bureaus have 30 days to investigate your dispute. After that, they must inform you of the results of their investigation, update your credit report and send you a copy of the updated report. It usually takes 60 days between the day we send a dispute, on your behalf, to the credit bureaus and the day you receive an updated report. When you receive a response from a credit bureau, make a copy of the updated report for your records, then send the original to Beacon Credit to move your case forward. Thus the cycle begins anew, this time hopefully with fewer negative items on your credit report!