Our Legal Credit Repair Process

Our legal credit repair process is based upon my experience as a Credit Attorney. We designed our credit improvement methods and techniques based upon the simple concept of requiring the credit bureaus, collection companies, and creditors to prove their compliance with consumer protection laws when reporting your credit information. We place the burden of proof on them.

Here's how Legal Credit Repair Works

In short, we audit your credit reports and demand that the Credit Bureaus remove any credit items we feel do not comply with the credit laws. We draft each dispute letter based upon credit laws affecting your specific credit information.

After 30 to 45 days, you should receive a response from each of the Big 3 Credit Bureaus. Next, you simply forward their responses to us. We review them and prepare another series of dispute letters based upon our audit of the credit bureau responses you send us.

We send another set of dispute letters to the credit reporting agencies, based upon the appropriate credit laws, and repeat the process until we are satisfied that the credit bureaus are only reporting credit items that are                                                                                                fully compliant with the credit laws.

We also review your credit reports to determine if any creditors or any collection companies are reporting credit information that fails to comply with the credit laws. We may require that they provide verification of their right to collect a debt. We will verify if the statute of limitations has expired.

We continue the legal credit repair process until we are satisfied that each credit item is being reported with complete accuracy and fully compliant with the credit laws. We may even file complaints with government regulators on your behalf, if necessary.

Our experience with credit laws has resulted in the deletion of inaccurate and non-compliant credit items such as:

Getting Started

1. First, purchase a initial assessment of your credit reports and we consult with you concerning your credit goals (e.g. to purchase a home, refinance a mortgage, buy a car, etc.). We'll then design a credit improvement plan to help you. We are very good at what we do. However, we can't help everyone. If a different credit solution is better for your situation, we'll tell you!



2. Next, we'll send you the necessary documents to sign and return to us. These documents will inform you of your legal rights and authorize us to perform credit improvement services on your behalf.



3. We'll then start our compliance audit, demanding the credit reporting agencies, creditors, and collection companies to prove compliance with the credit laws. You should start to see results within 30 to 45 days. As you receive updated credit reports from the credit reporting agencies, simply forward your reports to us for review and further action.



4. We provide you with your own client log-in user ID and password to review your progress online. But if you prefer, you can simply speak with your assigned legal credit repair consultant by phone or communicate by email as often as you like.

To start the process of legal credit repair, purchase your intital assessment below.