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Confirmation
We've reserved your 20-minute appointment with Dr. Howard. Please review the details below and gather the documents on the checklist so we can make the most of your session.
No booking details were found. If you just scheduled a consultation, your confirmation details will be sent to your email shortly.
Having these ready helps Dr. Howard review your file accurately and build your dispute strategy during the consultation.
Government-issued photo ID
A valid driver's license, state ID, or passport so we can verify your identity.
Social Security card
Used to confirm your identity and match your file across the three bureaus.
Recent credit reports (all three bureaus)
Current reports from TransUnion, Equifax, and Experian — ideally pulled within the last 30 days. You can download them free at AnnualCreditReport.com.
Collection & creditor letters
Any recent correspondence from collection agencies, creditors, or the bureaus, including validation notices and dispute responses.
Previously sent dispute letters
Copies of any dispute letters you've already mailed or submitted, along with certified-mail receipts if you have them.
Proof of address
A recent utility bill, lease, or mortgage statement showing your current residential address.
Statements for disputed accounts
Recent account statements for any specific accounts you plan to discuss or dispute during the consultation.
Identity-theft documentation (if applicable)
If your concern involves identity theft, bring the FTC Identity Theft Report and any filed police report.
Business formation documents (if applicable)
If your consultation covers business credit, have your EIN confirmation letter, articles of organization, and any D-U-N-S number on hand.
Dr. Howard will reach out to confirm your meeting details and share the video or dial-in link. If you need to reschedule, simply reply to that message or contact us through the portal.