I don't know exactly what is involved in their process. I'm sure they have due diligence processes that they have to verify as well, because I'm sure that anybody with bad credit could go to them and say, “I was a victim of fraud. That's not my bad mark on my credit history.”
I'm sure they have a pretty stringent due diligence process that they have to go through. Sometimes the delay can be frustrating for victims, but it is necessary at the same time. For me to tell another agency what would be required would be difficult.