We negotiate directly with the credit companies assisting them with their obligations according to the Fair Credit Reporting Act. Then, we communicate directly with the credit bureaus to confirm that the appropriate changes have actually occurred. Credit Check- When you enroll in our program, we instantly pull your credit reports. We organize the data in a way that helps you identify items you want to challenge or change. This then helps us know exactly where to focus our efforts ? and how to build a game plan to meet your personal goals and needs. more on http://www.yourcreditpulse.com/