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Reclaim Control Over Your Credit!

Imagine having the power to take control of your financial future. You’re not alone in facing the frustration of being denied loans, paying higher interest rates, or being unable to achieve your dreams because of a low credit score. It’s a common struggle, but it doesn’t have to be your reality.

 

Here at The Williams Enterprise we use advanced technology that allows us to navigate the complexities of credit repair and deliver that to our clients with confidence, ensuring every action we take is backed by the latest compliance standards. Our AI-driven platform analyzes your credit report and generates personalized dispute letters tailored to your unique situation, drastically improving your chances of success.

us

Metro2 Compliance

Legal approach 

Vs.

them

Factual Disputing

wishful approach

Need Help?

FAQs

Part of our mission at The Williams Enterprise is to educate as many people as we can about credit. When it comes to credit, what you don't know CAN hurt you, so learn as much as you can. If your questions are not answered on this page, call one of our specialists. They will be happy to handle any questions you might have.

call us 1-800-821-9764

Metro2 is A Credit Compliance Standard!
 
Metro2 is Not A Credit Repair Method! 
 
Metro2 format ensures that the four credit bureaus receive all the information they need from data furnishers. 

Metro 2 is a standard format for all businesses reporting credit data to the four major credit bureaus. This format was created in 1997 by the Consumer Data Industry Association (CDIA). If you want to report consumer or commercial credit to the bureaus, you’ll need to comply with Metro2 reporting standards.

What this means for you is that sending METRO2 compliance Challenges is the best way to increase the effectiveness of the letters we are sending and get the best results possible for our clients. We are leveraging the bureau’s own systems to do your work for you and bringing the power of all of the Consumer Protection laws as well as the bureau’s own self stated reporting standards at the same time
 
About e-OSCAR 
 
e-OSCAR is a web-based, Metro2 compliant, automated system that enables Data Furnishers (DFs), and Credit Reporting Agencies (CRAs) to create and respond to consumer credit history disputes. CRAs include Equifax, Experian, Innovis and TransUnion, their affiliates or independent Credit Bureaus and Mortgage Reporting Companies, e-OSCAR also provides for DFs to send “out-of-cycle” credit history updates to CRA’s
 
The system primarily supports Automated Credit Dispute Verification ACDV) and Automated Universal Dataform (AUD) Processing as well as a number of related processes that handle registration, subscriber code management and reporting.
 
ACOVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the DF. The ACDV is returned to the initiating CRA with updated information (if any) relating to the consumer’s credit history. If an account is modified or deleted, Carbon Copies are sent to each CRA with whom the DF has a reporting relationship.
Challenging METRO2 Compliance is a powerfully effective process of using the bureau’s own e-OSCAR to verify whether items on a credit report meets METRO2 compliance standards. This tactic forces e-OSCAR system to work to your benefit, not the benefit of the Credit Reporting Agencies. There is a massive difference between a traditional credit repair dispute letter and a METRO2 Compliance based request via the bureau’s own e-OSCAR system
 
 

Absolutely! At The Williams Enterprise Experts we are very transparent. Give you access to a portal online which you can view at your convenience. In this portal you can view results, see notes on the account, upload documents, and pay your invoice. Access this from your computer, tablet or phone to stay updated on your credit repair process.

The score that you will end up with at the end of your credit repair program will vary. The Williams Enterprise Experts cannot guarantee any score change. We work closely with you to attempt to make your credit profile healthier through education and advice. A healthier credit profile is a happier credit profile.

Sure, It’s your right and responsibility to monitor and protect your own credit. The government has a set of laws to help you called the Fair Credit Reporting Act. The Williams Enterprise is here if you need help from professionals who work with the bureaus and these laws every day.

Sure, your credit is your own, you just need to be aware that applying for new credit will add new inquiries to your credit report which will impact your credit score.

Steps Involved In Our Credit Repair Process

HOW DO WE WORK?

Credit Evaluation And Analysis

It begins with comprehensive evaluation and analysis of your Credit Profile. We review your Credit Reports to identify any negative items suppressing your overall credit report and attack them specifically and systematically to get them removed based on compliant reporting standards that are 9 times out of 10 not reported right and by the book.

Dispute Inaccurate Information

We prepare and submit dispute letters with metro2 compliance computer codes and language that e-OSCAR actually listens and responds to.

Bureaus, Collectors, & Banks Disputes

We maintain regular communication with the credit bureaus and their computers, ensuring that the investigation process is progressing effectively and aggressively to get your credit report tip top shape.

Metro2 Compliance based disputes

Metro 2 compliance is a framework that ensures the accurate and timely reporting of consumer credit information to credit bureaus.

Credit Education and Counseling

We also provide credit education and counseling to our clients to help them improve their credit habits, establish positive credit accounts, and maintain a healthy credit profile over time.

Ongoing Support and Monitoring

Even after the initial disputes are initiated, we continue to provide ongoing support on our credit repair services.

Select a plan

STARTER ATTACK

7 OR LESS DEROGATORY REMARKs (including hard inquiries)

$137/Month

+$30/Month Credit Monitoring Service (of our choice)

AGGRESSIVE ATTACK

8 to 15 DEROGATORY REMARKs (including hard inquiries)

$197/Month

+$30/Month Credit Monitoring Service (of our choice)

ALL -OUT ATTACK

unlimited DEROGATORY REMARKs (including hard inquiries)

$229/Month

+$30/Month Credit Monitoring Service (of our choice)

Ready to Take Control of Your Credit with The Williams Enterprise Experts?

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Any questions please feel free to call 1-800-821-9764 or email us at mycredit@thewilliamsenterprise.com

Contact Us

1110 Brickell Avenue

Miami, FL 33131 Suite 430

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