FicoBully uses aggressive strategies and conventional dispute methods to ensure maximum results in restoring your credit. Our process is based on knowledge of consumer laws and experience with the credit bureaus. We take advantage of your rights as established by the Fair Credit Reporting Act (FCRA). We want you know that you have the right to question any information on your credit reports that your feel may be questionable or inaccurate. If a questionable item cannot be proved then it must be removed. FicoBully works in a 3 Step process that is extremely geared at providing world class customer service and results.”Credit repair services” means all actions taken by FicoBully, on behalf of Client, related to the removal of any errors, misrepresentations, outdated and/or unverifiable information from Client’s Credit Report(s), and/or any FicoBully’s attempt to remove the same, as permitted under Federal Law (15 U.S.C.S 1681 et seq.).