HOW DO YOU DO THIS LEGALLY?
Although the credit bureaus would like to have you think otherwise, there is absolutely nothing illegal about disputing items on your credit
report. In fact, it is your explicit right by law to do so (see Fair Credit Reporting Act). Credit report repair is as legal as pleading not guilty in a
court of law.
DO YOU GUARANTEE YOUR SERVICE?
It is important to understand there are no particular guarantees on a certain item on your credit report. Just like in a court of law, an
attorney could never guarantee a client that the judge or jury would find in their favor. We can guarantee however, that your credit reports
will improve over time and your credit scores will also improve over time.
WHAT IF DELETED ITEMS REAPPEAR?
On occasion, a negative listing that was recently deleted will be eventually verified by the creditor. The new Fair Credit Reporting Act requires
that the credit bureau inform you before the re-report a previously deleted listing. The FCRA also makes it more difficult for credit bureaus to re-report listings. Because of these factors, it is fairly rare for listings to come back on once they’ve been deleted. If an item is re-reported, it is a simple matter to challenge the listing again at a future time to press for permanent deletion.
DO I NEED TO SEE MY CREDIT REPORTS FIRST?
Yes! You need to know what is on your credit reports, so that you can inform us or give us a copy of that credit report so that we may be able
to start on the repairing and restoring your credit profile. It is like a road map. You need to know where you are at now, and what route you
are going to take to get to your destination.
