Is Credit Repair or Restoration Legal?
Yes, credit restoration is legal and we will help you to use the law in your favor. That law is called “The Fair Credit Reporting Act.” The FCRA gives you the right to dispute any item on your credit report. If that item cannot be verified within a reasonable time (usually 30 days) it must be removed. Studies have shown that 79% of all credit reports contain errors. This is nearly 8 out of 10 reports. Therefore most credit reports improve immediately.
For items disputed that are not errors, a creditor or furnisher is often unable to find the records or signed documents within the allotted time and the item must be removed. Sometimes the furnisher will say it has been verified but not offer proof. It is our job to prepare documents through our consulting attorney that challenge this and hold the credit bureaus and debt collection agencies accountable for violations of your consumer rights as a client of our firm.