"HTDI has been able to greatly improve my credit score! they were greatly helpful and very very knowledgeable, I greatly recommend their service to anyone!"
Juan, July 08, 2008

"HTDI Financial got to work on my account very quickly. I started seeing results within the first 2 months or so. Everyone I worked with was helpful and polite and made me feel extremely confident in the ability of this company. Thanks HTDI!"
Pamela, September 26, 2008

"The bottom line for me was finding a company that produced results. HTDI has fulfilled that promise in a very big way. Also, very importantly, they have exceeded my expectations in the quality of their customer service. Everyone is professional, kind and patient, especially customer service representative, Brian. Today he provided a friendly, efficient update on the phone and assisted me with find (read more)"
Tracy, July 22, 2008

"I just signed up for the program, but so far everyone has been informative and have walked me through this signed up part of the program."
Nykeba, July 31, 2009
 
-- HTDI Financial --
Many credit repair companies make bold, and sometimes false claims, in order to hype their results. HTDI Financial stands behind our service and do not resort to high-pressure salesmanship or bogus assertions.

We provide our statistics frankly and with pride. With well over an average 46.99% fix/deletion rate in the first round alone, our numbers speak for themselves.


-- How it works --
Credit bureaus insist that individuals cannot repair their credit without waiting years for negatives items to be removed.  Don't believe them.  Credit Report errors are at an all time high and these inaccuracies are most likely affecting your score in a big way. 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 or cancel our services. 
 


We examine your credit reports

You begin by forwarding copies of your credit reports to us from all three of the major credit bureaus.
 


You tell us which items to dispute

By either letting us know over the phone, writing on your credit report, or filling out the online interviewer, you inform us of what needs to be disputed. 

 

HTDI Financial works your case
HTDI Financial begins to dispute your items by using its arsenal of credit report repair strategies and experienced staff to challenge negative items directly with the credit bureaus. This process will continue, with each new round to the bureaus having to address a smaller number of inaccurate, unverifiable and incomplete negative information each time.

Sit back and wait for results
The credit bureaus have 30 days to investigate your dispute. Of course with mail time, we figure 45 days from the time we draft letters to when you will have all the responses in the mail and forwarded to us.  Within those 30 days they must provide proof of the discrepancies on your report or be forced to delete those negative items.  They will send you an updated credit report and you will then send it to us to move your case forward. The cycle begins again, and we remove more negative items from your reports...

 
 
 
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