Round Two · $149, paid once · for files we have already read
The results are back. Now read them right.
A second read of a file QualifyReady has already analyzed, after the bureau results arrive. Each results letter compared to the letter you sent, field by field; every item marked deleted, corrected, verified or unanswered; the next letter list built from what is still wrong; follow-up letters drafted where results call for them. Requires a prior QualifyReady order. You upload results and new reports; you sign and send.
A credit file analysis and document-prep service, not a credit repair organization. No outcome promised. Available for 12 months after any package.
A results letter uses one of three words, and each word has one next step
Deleted. Good. Now the ninety-day watch for reinsertion, which is lawful only with a furnisher certification and a notice to you within five business days. No notice is a violation, and it has its own letter.
Updated. Compare the new value to row four of your letter. "Updated" from $1,912 to $1,850 is a different wrong number, and that is a new letter with the new printed value and the same exhibit. "Updated" to the value you stated is a correction, and it comes off the list.
Verified. The furnisher said the field is right. Your letter already requested the description of procedure under § 1681i(a)(7). If it is not in the envelope, the request is restated with the results date, and fifteen days run from there. A description that names neither the field nor the exhibit is the whole exhibit set for the CFPB complaint.
Round Two does that comparison on every item, and the mistake it exists to prevent is sending the wrong next letter, which costs a thirty-day round and sometimes a dispute remark you did not need.
What you receive, within 72 hours of your last upload
The comparison
Every item from your first package against its results letter: the field you disputed, the value you stated, what the bureau printed after, and the one-word result. Corrected items come off the list with the date.
The next list
What is still wrong, three to five items per letter, in the order the calendar calls for. Verify-first items that turned into disputes when your statements arrived are here too.
The follow-up letters
Drafted where the results call for them: the description-of-procedure request for any "verified" with no description. The reinsertion letter for any deletion that came back. The CFPB complaint text, with what to attach, for any description that shows nobody looked.
The updated calendar and tracker
Round two's dates, the (a)(7) deadlines, and the day-57 re-pull, in the same tracker you have been keeping.
How it works
1. Pay once
$149 at the link above. An email from support follows within minutes.
2. Reply with three things
Your original order number (QR-XXXX-XXXX). Every results letter the bureaus sent, as PDFs or clear photos. And fresh copies of your three bureau reports, pulled after the results arrived.
3. We compare
Each results letter against the letter you sent, field by field. A person reads every one. Nothing is decided by the word on the envelope.
4. Sign and send
The comparison, the next list, the follow-ups and the updated tracker arrive by email. You verify, sign and mail certified.
Where this sits on the shelf
Before it: a package
Round Two reads results against letters we drafted or you sent from our analysis. If you have neither, start with the Three-File Package ($399) or the Page-One Read ($99).
Alongside it: the eight files
If round one was three bureaus and a closing date is near, the Eight-File Package reads the five specialty files a lender's vendors pull. What you paid is credited for 60 days.
The book behind it: the Handbook · $37
Chapter nine is the method Round Two runs: deleted, updated, verified, and the letter each one earns.
Buy the bookQuestions people ask before paying
Can't I just read the results myself?
You can, and the Handbook's chapter nine shows how. Round Two is for the moment when "updated" came back on four items and two of them changed to a different wrong number, or a deletion reappeared, or a "verified" arrived with no description behind it. Each of those has a specific next letter, and the wrong one costs a round.
What if I bought the Three-File Analysis, without letters?
Round Two still works: it reads whatever you sent against what came back. If you sent nothing yet, you want a package, not a second read. The $199 is credited toward one for 60 days.
How many times can I do this?
As many rounds as the file needs, at $149 each, for 12 months after your package. Round two is usually smaller than round one, and round three smaller still. That is what a file getting true looks like. A round that gets bigger is a conversation with support, not another purchase.
Is this a credit repair company?
No. We read and draft. You send. QualifyReady is a credit file analysis and document-preparation service, and nothing here promises a deletion, a score or an approval.