Is credit repair legal?

Yes, it is.  Under the Fair Credit Reporting Act, the law states that everyone has the right to dispute negative, inaccurate information on his or her credit report.  We follow the same guidelines that are outlined in the law.

What are my rights?

The Fair Credit Reporting Act (FCRA) requires each of the nationwide credit reporting companies (Equifax, Experian, and TransUnion) to provide you with a free copy of your credit report, at your request, once every 12 months. The FCRA promotes the accuracy and privacy of information in the files of the nation’s credit reporting companies. The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the FCRA with respect to credit reporting companies.

A credit report includes information on where you live, how you pay your bills, and whether you’ve been sued or have filed for bankruptcy. Nationwide credit reporting companies sell the information in your report to creditors, insurers, employers, and other businesses that use it to evaluate your applications for credit, insurance, employment, or renting a home.

Can I do it myself?       

Of course you can and it is your legal right to do so.  It is pretty easy for anyone to simply dispute items on their credit report online but being successful with it is a different story.  Achieving the positive results you are looking for is a pretty daunting task.  It is time consuming, frustrating, and intimidating when you do not have the knowledge of how to deal with the 3 big data reporting agencies.  The process takes a lot of time, patience, and dedication because the credit bureaus will do everything in their power to discourage all of your credit disputing efforts and it will work since you do not know the correct principles. 

Most consumers do not know how to read their credit report and what all of the information means in order to conduct an effective dispute process with the credit bureaus. Hand over the stressful work and let our credit repair specialists handle your case. Let us do the work for you so you can sit back relax and take care of your everyday life responsibilities, and just watch as your credit score increases and improve your quality of life.  You are guaranteed to see results.

How do I access my credit reports?

We recommend visiting   You are entitled to a free copy of your credit report every 12 months.  If you have already received your credit report within the past year, you can order your report for a fee..  You will be given an opportunity to purchase a credit score from any of the nationwide credit reporting agencies after you receive your free annual credit report from any of them in response to a request made through this website.  If you experience any difficulties, please give us a call and we will walk you through the process. You can also purchase a 3 in 1 credit report from which will include all 3 credit bureau reports and credit score.

How do I get started with the credit repair process?

Firstly, you are responsible for providing us with a copy of your most recent (within the last 30 days) credit report from all 3 major credit bureaus, Experian, Equifax and TransUnion.  The current report provides us with the specific information we need to most effectively dispute your questionable credit reports items. Your recent score is highly appreciated also so we can see what your starting point is and what goals we want to set together. 

We will then provide you with a FREE consultation.  If you are eligible, we will inform you that we can provide services and you will be invited to sign up.

Throughout the process, you are responsible for opening and forwarding to us all mail pertaining to the credit repair process in a timely fashion.  You can mail or fax this documentation.  After each set of disputes, the results of the investigations will be detailed on the cover page of the credit report or sometimes within the report itself.  We will go over the results and explain them to you.

Recent Statistics show the following :

  • 79% of credit reports include errors of some type.

  • 25% of all credit reports contain errors serious enough to result in the denial of credit.

  • 29% of consumers have variances of 50 points or more in their credit scores as reported by each of the three major credit bureaus.

  • 54% of credit reports contain personal demographic identifying information that was misspelled, long-outdated, belonged to a stranger, or was otherwise incorrect.

  • 30% of credit reports contain credit accounts that had been closed by the consumer but incorrectly remained listed as open.

Therefore, a large percentage of people are candidates for credit repair services, whether they know it or not. We help remove any inaccurate, misleading, obsolete information that may be reporting on your credit report.  Do you want to know what your credit report is saying about you?