1 · Client details

2 · Two forms of identification

Two documents are required before any creditor can be contacted on your behalf. The first proves who you are; the second confirms the address and Social Security number on your credit file. This is how we satisfy federal identity-verification rules, stop anyone else from opening a file in your name, and make sure the accounts we negotiate are actually yours.

3 · Credit report

Upload your most recent credit report — a tri-bureau merge is best, but any bureau or monitoring-service export works. PDF or image, up to 25 MB. We use it to build your credit summary and mark which accounts are eligible for settlement.

4 · Signature package

• •Debt resolution service agreement
• •Limited power of attorney
• •Fee and payment schedule disclosure
• •E-sign consent and privacy notice