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.