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Who We Are?
Thames & Company is a reputable and reliable credit repair company committed to helping individuals achieve their financial goals by improving their credit scores and providing ongoing support and guidance.
Metro2
Metro 2 Compliance is a powerfully effective process of requesting e- OSCAR to verify whether items on your credit reports meet compliance standards. This solution forces e-OSCAR to work to your benefit, not the benefit of the Credit Reporting Agencies. There is a difference between a traditional credit dispute and a Metro 2 Compliance based request via e-OSCAR.
The Metro 2 Compliance request is a tactic of credit enhancement that requests that triggers e-OSCAR to electronically evaluate whether the all data was mandatorily perfect and complete Metro 2 Formatted Reporting Standards was properly reported within the compliance standards set forth by the Fair Credit Report Act (FCRA). The FCRA requires that only data which is factually documented to be physically verified as fully true, correct, complete as reported, timely in reporting, of a known responsibility and ownership, or else wisely validated.
e-OSCAR
What is e-OSCAR
e-OSCAR is a web-based, Metro2 compliant system that has been developed by Equifax, Experian, Innovis and TransUnion, this automated system that enables Data Furnishers (DF), and Credit Reporting Agencies (CRA) to create and respond to consumer credit history disputes. CRA include Equifax, Experian, Innovis and TransUnion, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. e-OSCAR also provides for DFs to send “out-of-cycle” credit history updates to CRAs.
Why Us?
A low credit score can keep you from the things you want. But did you know a low credit score can impact a lot more than just financing? Do the best thing you can do for your future. Call us today and let our experience save you time, money, and frustration.
Why Repair Credit?
Your credit score comes from your credit report; it is your spending and repayment report card. Credit reports often aren’t correct, and incorrect information can hurt your score. We make sure the your credit report contains correct information so you’ll have the highest score possible.
How It Works
Our service includes your private assessment, contacting creditors on your behalf, sending documentation back and forth, and more. We have been trained on recent laws, statutes, and credit reporting practices. We also know what items on your report affect your score the most.