What will happen after I sign up?
Once we receive your signed documents, proof of social, proof of address, and credit management deposit,
Crednology will order all three credit reports directly from the nationwide credit bureaus:
Equifax, Experian, and Transunion. These credit bureaus will go to your current mailing address. Please forward these reports to
Crednology as soon as you get them. This request does
NOT count as an inquiry and will
NOT affect your credit score.
Online Trimerge Credit File
Once your reports are acquired,
Crednology will then build your Online Trimerge Credit File, that you can access
24/7 with username and password. Our trimerge shows you what accounts were on each of the three credit bureaus when we started, which accounts have been updated to a better status, and which have been deleted from the credit file all together.
View a portion of our Online Trimerge
Trimerge Credit Analysis
This allows you and our customer service to get a complete picture of your credit situation to begin the credit score raising process. A trimerge credit analysis is then generated explaining the good and derogatory on your report.
View a portion of our Credit Analysis
Point Deductions
Then we will establish which accounts to address first, both positive and negative using two tactics. First the report is run through a program called
Score Validator which will give us the point deductions per trade line per credit bureau. This allows us to address which items are affecting your score more efficiently. These point deductions are then stored to your Online Trimerge File for your viewing.
View a portion of our Online Trimerge highlighting these Point Deductions
Statistical Calculations
Next we match this with our creditor statistical calculations which will tell us which creditors respond more favorably to the credit bureaus request for account verification.
View a portion of our Online Trimerge highlighting these Calculations
Credit Updates
Once this process is complete, usually taking just a matter of seconds, we will contact the credit repositories for you at no additional cost to have your file updated properly allowing you the correct score based on your credit history. The dates of last contact with the credit repositories is then reflected on your Online Trimerge Credit File for your viewing.
How long will it take?
Ninety-five percent of our customers see a huge credit score increase within 30 to 45 days. The entire process may take as little as 60 days depending on your credit file, but we will continue hosting your Online Trimerge for one year at no additional cost.
