It is a service that is performed at the beginning before the consumer starts the dispute process. The CRO provides us with the initial credit report in order for Score Processors to evaluate the report and point out to the CRO what accounts have been indirectly and directly affecting the consumer’s Credit Score (FICO or any other score). The Score processor clinically analyzes the report, identifies what Items are affecting the credit score, marks up the report and sends a marked up pdf document with all the accounts that need to be disputed to the Credit Reporting Agencies. This product is great for Credit Repair Organizations that either have little knowledge of how to read a credit report or wants to understand how Score selects items to dispute. Score’s Dispute Policy covers all of our dispute criteria in selecting items to engage and dispute and why.