Frequently Asked Questions
A stall letter from a credit bureau is a response typically sent to a consumer when the bureau believes that the credit dispute they’ve submitted lacks sufficient information, appears frivolous, or doesn’t meet their criteria for investigation. Essentially, it’s a way for the bureau to delay or avoid processing the dispute. These letters may request additional documentation or clarification, or suggest that the dispute doesn’t align with valid grounds under the Fair Credit Reporting Act (FCRA).
The intent behind a stall letter could be to deter consumers from continuing the dispute process, but legally, credit bureaus are obligated to investigate valid disputes within a 30-day period.
Supreme 1 uses AI to analyze your credit report and generate powerful dispute letters that address negative items. These letters are sent to the credit bureaus to challenge inaccuracies, outdated information, or any marks that violate the Fair Credit Reporting Act. This process helps clean up your credit report and boost your score.
Results can vary depending on the complexity of your credit report and the responsiveness of the credit bureaus. Typically, clients begin to see changes within 30 to 60 days after disputes are initiated. However, full results can take up to six months as the credit bureaus process and respond to each dispute.
Supreme 1 is offered as a monthly subscription service. This allows continuous monitoring of your credit report and the ongoing generation of dispute letters as needed, ensuring your credit profile is always optimized.
To verify your identity, you will need to upload three forms of identification: a Driver’s License or Passport, your Social Security Card, and a recent Utility Bill with your current address. These documents are necessary to comply with credit bureau standards and ensure your disputes are processed correctly.
Your security is our top priority. Perfect Credit USA uses industry-leading encryption and security measures to protect your personal and financial information. Our secure client portal ensures that all data, including uploaded documents and personal details, is kept confidential.
While Supreme 1 is highly effective, it cannot guarantee the removal of every negative item. Success depends on the nature of the dispute and the credit bureau’s investigation process. However, our AI is designed to identify the most likely disputes to succeed, maximizing your chances of improving your credit score.
No, you do not need to contact the credit bureaus. Perfect Credit USA handles all communications with the credit bureaus on your behalf. Our AI system drafts and sends the necessary dispute letters, and we track the progress of each dispute through to resolution.
Once registered, you’ll have access to a personalized dashboard within our client portal. Here, you can monitor the status of your disputes, view any changes to your credit score, and receive updates on the progress of your credit repair.
No, the Supreme 1 month-to-month plan cannot be canceled once initiated, as it runs on a monthly cycle without cancellation options during the active month.