FAQ    
How long will the process take?
Results vary depending on the type or number of negative accounts, as well as the cooperation received from the Credit Agencies and YOU, our partner. Older and invalid accounts on credit reports may not take as long to resolve as inaccurate Tax Liens and Bankruptcies that require more research time. The key is persistence.
 
THE PROCESS
  • Customer will read, sign and date the disclosure statement.
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  • Customer will complete the application.
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  • Customer will provide a copy of an address verification and social security verification.(see list below)
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  • Applications, address verifications and social security verifications will be faxed to the processing center.
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  • The processing center will pull the customers credit reports.
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  • The processing center will create a dispute letter based on review and analysis of the customers credit reports.
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  • The processing center will mail the customer out a dispute letter for each credit agency, and copies of their credit reports. (Customers must inform the processing center if their primary address changes during the restoration process. New address verification will be required at that time.)
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  • Customers can make any changes, addition or deletions on the dispute letter and return it to the processing center. If no changes are required, the customer will sign the dispute letter and mail it directly to the credit reporting agencies.
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  • The customer must forward any information they receive from the credit agencies to the processing center.
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  • Every 60 days the customer file will be reviewed, and a new dispute letter created. The new dispute letter will again be forwarded to the customer to review, sign, and send on to the credit agencies.
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  • The process will continue until the one-year service contact expires.
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    Where do I send the information I receive from the Credit Agencies?
    Third Eye, Inc.
    P.O. Box 130
    Farmington, MI 48332
     
    Appropriate forms of address verification include:
    Copy of drivers license if it matches application
    Preprinted bill that includes customers name (cable, utility bill)
    Pay stub
    W2 form
    * Customers must inform the processing center if their primary address changes during the restoration process. New address verification will be required at that time.
     
    Appropriate forms of social security verification include:
    Copy of Social Security Card
    Pay stub
    W2 form
     
    Is the customer required to take any part in the dispute process?
    Yes. It is imperative that the customers take an active role in the restoration of their
    credit. We require customers to become part of the program, as information they
    provide will help prepare their dispute documents. Customers must send all information they receive from the Credit Agencies to the processing center to be recorded and become part of their permanent file. Remember, this is truly a partnership endeavor.
     
    How often will the customer be contacted and informed of their progress?
    Every 60 days, each customer’s file will be reviewed. Based on the documentation received from the customer during that period of time, (credit report updates and letters from creditors) a new dispute will be generated and forwarded to the customer to review and sign. Along with the new dispute document, the customers will receive a status update report showing the progress and deletion of accounts to date. Customers can also access the web site at www.3rd-eye-inc.org for an up to date account status.
     
    Who do I contact with questions regarding my account?
    Each time a customer receives a dispute letter mailing, a progress report detailing the customer's status will be enclosed. If further information is required, the customer may contact us through the following methods:
     
    Third Eye, Inc.
    P.O. Box 130
    Farmington, MI 48332
    Email: CustomerSupport@3rd-eye-inc.org
    Fax: (972) 692 - 7006
     
    Will the credit bureaus respond to all of the disputes I send them?
    The credit bureaus are required by law to respond to all correspondence. It is not uncommon for Credit Agencies to send letters stating they want more information, or that they will not re-verify an account. These types of responses are very common and customers should not be alarmed if they receive them. Customers must continue to send all correspondence they receive from the agencies to the processing center.
     
    How long will it take the Credit Agencies to respond after I send them my dispute letter?
    After the Credit Agency receives your dispute letter, they are obligated to investigate and research your request. To do this, they must contact the creditor involved for each item you dispute. This process will take approximately 30 to 45 days. If the Credit Agency does not respond to your dispute letter, do not be alarmed, a new dispute letter will be generated when your file is reviewed by the processing center every 60 days.
     
    When I receive my dispute letter, can I make changes and add information?
    Absolutely, any additional information that the customer would like to provide will help expedite the credit repair process. Simply write on the dispute letter any changes or additional information you may have regarding any specific account, and forward it to the processing center. The processing center will make the necessary corrections on the dispute letter and forward the customer a revised copy to sign and send to the Credit Agencies. Remember, this is a partnership.
     
    Can I continue the process after my contract expires?
    Yes. Extensions to your initial year of service are offered at a rate of $299.00 per year. Due to the increased number of identity fraud cases reported annually, it is recommended that you continue your service to monitor and review your credit reports on a quarterly basis. This will insure your reports remain accurate and that no new information is added without your knowledge.
     
    Are refunds offered if I am not satisfied with the service?
    Yes. Customer satisfaction is very important to us. Customers will be charged an initial $125.00 set up fee, and $25.00 for each negative account removed during the time they were involved in the credit repair process. (Customers must remain in the program for a minimum of six (6) months or must complete three dispute cycles) Any remaining money from the initial payment made for the service will be refunded to the customer immediately.
     
    Can I apply for credit during the restoration process?
    It is strongly recommended that customers do not apply for credit during the dispute process. Pulling credit during this time will cause a delay in creditors updating your account and will negatively impact your credit scores.
     
    What does credit score mean?
    Fair, Isaac and Company of California in 1956 pioneered the field of Credit Scoring for financial institutions. Today, every credit agency and most lenders
    calculate your credit score (FICO) using their software.
     
    What does my Credit Score have to do with the lending decisions?
    The homogeneous scoring system provides lenders with a “picture” of your credit health…  Number of accounts, payment performance, number of inquires, public records i.e. bankruptcy, civil collection are formulated to produce a three digit score between 300 and 950. Your FICO score determines level of lender risk.
     
    What do credit reporting agencies do?
    Credit reporting agencies report your payment history/performance to credit reporting companies who assimilate that information under the FICO format. That information is then sold to LEGITIMATE users.
     
     
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