Credit Health VIP Plan
For files under active collection pressure, aftermath of identity theft, or bureaus that keep rubber-stamping 'verified' without explaining how.
VIP exists for the files where someone is actively working against you. Collectors chasing debts they can't document get §1692g validation demands — under the FDCPA they must prove the debt or stop collecting and stop reporting. Bureaus that claim an item was 'verified' get method-of-verification demands: explain how, or delete.
Identity-theft items get the strongest tool in the box: §605B blocks, which require bureaus to stop reporting fraudulent items within four business days of a proper request. Four certified-mail credits a month put delivery receipts behind the letters that matter most.
What’s included — and why each piece matters
§1692g debt validation
Collectors buy debts for pennies with paperwork to match. Many can't validate — and a debt that can't be validated can't lawfully be collected or reported.
Method-of-verification demands
'Verified' is only as good as the method. Forcing bureaus to show their work turns lazy verifications into deletions.
§605B identity-theft blocks
Fraudulent items don't need disputing item by item — the FCRA requires them blocked, fast, with an identity-theft report.
25 items per round + 4 certified-mail credits
Heavy files need throughput, and the certified receipts create the paper trail that wins escalations.
The reviews are in
Meet the people getting their finances back on their terms
Rated 5.0 across 32 reviews on Google. Read all 32 reviews
★★★★★
“My experience was very good customer service and professionalism. They kept me involved for every step of my process so that was very comforting.”
Kien H.
GOOGLE LOCAL GUIDE
via Google
★★★★★
“McKenzie Adams showed all type of professionalism and they delivered as promised. This team went out of their way to ensure everything went through for me.”
Hussain B.
GOOGLE REVIEW
via Google
★★★★★
“Their professionalism was top notch, very amazing customer service. Will definitely refer clients to you guys.”
Gerald I.
GOOGLE REVIEW
via Google
★★★★★
“My only regret is that I did not come to McKenzie Adams sooner. I tried to get do PPP online by myself. It was a nightmare.”
Dan S.
GOOGLE REVIEW
via Google
Frequently asked questions
Do I need a police report for identity-theft blocks?
You need an identity-theft report — an FTC report from IdentityTheft.gov qualifies, and a police report strengthens it. We walk you through creating one properly.
Will validation demands make collectors sue me?
A validation demand exercises a legal right and cannot lawfully be punished. Collectors with documentation sometimes escalate regardless of what you do; collectors without it usually go quiet — which is the point.