Yes. It is legal according to the Fair Credit Reporting Act. You have the right to dispute anything on your credit report. The item must be removed if it cannot be verified within a reasonable period of time (usually 30 days). 

79% of all credit reports contain an error that reduces their creditworthiness. This is almost 80% of all reports. As a result, most credit reports improve immediately. Creditors and furnishers are often unable to find the records or signed documents within the allotted time frame for disputed items that are not errors.

A furnisher may claim the item has been verified without providing evidence. It is our responsibility to prepare documents challenging this claim.

Poor credit can prevent you from qualifying for credit products, such as a mortgage or a car loan, and it can cause you to pay high-interest rates. Investing your time and money into Credit Restoration is well worth it. High-interest rates can cost you thousands of dollars a year and lead to additional late payments that will negatively impact your credit score.

Whether you're applying for a mortgage or a car loan, poor credit will prevent you from being approved, affecting your finances and your lifestyle. Anyone with a credit score below 720 can benefit long-term from advice, information, and education regarding credit restoration. However, there are certain limitations.

The two main factors are (1) your financial situation and/or (2) the timeframe in which you must achieve your results. Even accurate information can be removed from a credit report. The negative item may be removed if the creditor makes mistakes or does not adhere to the deadline. In addition, there are specific requirements that the Credit Bureau, Collection agencies, and Creditors must follow when placing negative items on consumer credit reports. If these requirements are not met, you can remove the negative items.

This is a full-service process that prepares all your documents for you from start to finish. Due to our years of experience, we can communicate accurately with creditors and credit bureaus to improve credit scores.

Although you can do this independently, you may encounter difficulties with creditors and bureaus if you need help understanding their techniques and the regulations in place for credit reporting. The last 17 years have been spent studying laws to help you remove negative information from your report, which allows us to offer you a PROVEN system.

With credit boosts, you can see a boost in your credit scores within 45 days. A credit bureau has 30 days to respond to a challenge letter, so you should see significant improvement within 45 to 60 days. Each credit report is unique, so that credit completion will differ depending on your credit standing and goals. Many clients average 3-5 months in the program.

Most of the time (98%) removed items do not return. Collection agencies and credit bureaus must notify you before re-entering items on your credit report. Furthermore, collection agencies can transfer debts, giving you 30 days to respond. We can target to delete an item as soon as it comes back.

Using our services, our clients have successfully resolved bankruptcies, child support, late payments, collections, charge-offs, repossessions, medical bills, utilities, credit card debt, inquiries, old addresses, judgments, tax liens, foreclosures, and student loans.