Is Credit Repair Legal?

Credit repair is 100% legal and it works because of the law. The Fair Credit Reporting Act gives you the right to dispute any item on your credit reports. If an item cannot be verified it must be removed. This will immediately boost your credit score. Even accurate negative items can often be removed or negotiated away.

How does Credit Repair work?

79% of all credit reports contain errors.  This means that most credit reports can be improved instantly.  The next step is to work with creditors to negotiate removal of negative items. Credit repair is especially effective after a collections, delinquency, bankruptcy, divorce, Identity theft or foreclosure.  We will guide you every step of the way to order free credit reports, remove errors and negotiate removal of negative items.  We create powerful letters written by attorneys that place the burden of proof on the credit bureaus and creditors. You will monitor your progress every step of the way.  Our financial experts will also help you to keep your finances organized so you will never wind up with bad credit again.

Get Started

Get Approved for a Home

We all know that moving into your own home is a dream. This dream is achievable with the right credit score. Our goal is to help you raise your credit score to one day get approved for that dream home.


Get Approved for a Car

Tired of driving the old beat up and outdated car? Want a new car that you were wishing for ever since your credit took a dive? We can remove inaccurate information and raise your credit score. Once your credit is restored, you will be able to apply for the car you want.


Get Approved for Credit

Getting denied for credit is not a good feeling, but it happens when your credit is damaged. The good thing is that you can bounce back with a better credit score and report. We will help you do that by helping you rebuild credit and raise your credit score.


No more collectors

We all hate the collection letters and calls, but we can put a stop to it by utilizing the laws put in place to protect us. Our goal is to stop the collection letters and the constant harassment by the collectors. With a single letter, the collectors will stop, and you can sleep like a baby.

What We Do

Help you remove inaccurate information.
Provide other financial resources.
Help you rebuild credit.
Provide guidance on your credit score.
Help you with debt collection letters.

Our Services

  • Collection accounts
  • Late pays
  • Inquiries
  • Medical Bills
  • Closed Accounts


  • Outdated accounts
  • Charge offs
  • Short Sale
  • Identity Theft
  • Debt collection calls.

Free Credit Consultation

Say Goodbye to Bad Credit and Yes To a Better Credit Score




2812, 2017

How To Deal With A Credit Bureau

By | December 28th, 2017|Categories: Credit 101|Tags: , , , , |0 Comments

Having good credit is an essential tool in [...]

What Our Clients Are Saying

Extremely professional service, totally worth it.
James M
Extremely honest hard working people. I loved how they went above and beyond to explain the steps to me, keep me in the loop during the process, and give me tips on how to avoid similar situations in the future.
Robert was great provided me all the information that I need to get Bk of my credit.
Ajay S
Great service. Robert and his team cleared my credit and I was able to refinance my Home. Thank you once again.
Michael P
I would like to thank everyone at US Credit Repair for helping me get back on track. Within 60 days my credit score went from 599 to 702.
Sandy Brown