STOP SPENDING YOUR HARD EARNED MONEY ON INEFFECTIVE TRADITIONAL CREDIT REPAIR! IT DOESN'T WORK!!!

You Now Have the Ability to Leverage the Knowledge, Expertise and Credentials of Bar Certified FCRA Attorneys to Attempt to Repair Your Credit!

STOP SPENDING YOUR HARD EARNED MONEY ON INEFFECTIVE TRADITIONAL CREDIT REPAIR! IT DOESN'T WORK!!!

You Now Have the Ability to Leverage the Knowledge, Expertise and Credentials of Bar Certified FCRA Attorneys to Attempt to Repair Your Credit!

Credit Repair Is No Longer Good Enough...

If you're one of the millions of people who have been legitimately attempting to address the inaccurate, incomplete or unverifiable negative accounts on your credit report over the last few years, you know, and fully understand the frustrations of dealing with the credit bureaus, creditors and collectors.


Sending disputes in month after month, round after round. More often than not getting stall letters and having them apply other unethical tactics that are attempting to force you to quit, because it's just too expensive or time consuming to continue this process for an undeterminable amount of time.


Month after month, you pay the credit repair professional as well as some expensive credit monitoring system to try to get the job done for you. Or you've tried to do it yourself, and you're at wits end with trying to learn how to fill out these template letters, or even using an automated AI driven DIY system, because at the end of the day, you still have to print every thing out, stuff all the envelopes, pay for the postage and take everything to the post office. EVERY SINGLE MONTH!


And this can go on for 9, 12, 18 or 24 MONTHS BEFORE YOU EVENTUALLY GIVE UP!!!

We've had people come to us from Lexington Law after 5 STRAIGHT YEARS of sending disputes!

THAT'S INSANE!!!

EVERYTHING YOU NEED TO KNOW

All answered in one place

The Problem

Credit bureaus know you lack the means to enforce credit laws, making you seem powerless until now.

The Solution

Consumers need protection from creditors and credit reporting agencies.

The Process

We describe the phases involved in the credit repair process.

The Problem

Credit bureaus know you lack the means to enforce credit laws, making you seem powerless until now.

The Solution

Consumers need protection from creditors and credit reporting agencies.

The Process

We describe the phases involved in the credit repair process.

SO WHAT'S THE PROBLEM?

WHY DOESN'T REGULAR CREDIT REPAIR WORK ANYMORE?!

There's one simple answer...the credit bureaus KNOW that you don't have the knowledge, resources and connections to follow through on ALLLLL of the statutes and regulations written out in the FCRA and FDCPA!


Would you be afraid of a small dog with NO TEETH?! HELL NO!!

As far as the bureaus, creditors and collectors are concerned you're ALL BARK with NO BITE!

SIMPLY PUT...YOU CAN'T SUE THEM and you have no idea how to hold them accountable...UNTIL NOW!

SO WHAT'S THE PROBLEM?

WHY DOESN'T REGULAR CREDIT REPAIR WORK ANYMORE?!

There's one simple answer...the credit bureaus KNOW that you don't have the knowledge, resources and connections to follow through on ALLLLL of the statutes and regulations written out in the FCRA and FDCPA!



Would you be afraid of a small dog with NO TEETH?! HELL NO!!

As far as the bureaus, creditors and collectors are concerned you're ALL BARK with NO BITE!

SIMPLY PUT...YOU CAN'T SUE THEM and you have no idea how to hold them accountable...UNTIL NOW!

The Solution!

As a consumer, everyone is susceptible to the same attacks. Protection from creditors and credit reporting agencies is necessary and the consumer should be able to uphold the protections granted to them by consumer law. Inaccurate credit reporting, creditor harassment, collection defense, and foreclosure defense are top priorities of ConsumerCreditLegal.com.


If the credit reporting agencies or the creditors fail to reasonably investigate your credit report dispute within the allotted time frame, you could be entitled to receive monetary damages should it be determined they violated the law and your rights.


Our team of Bar Certified FCRA Attorneys are chomping a the bit to help you make sure that the items on your credit reports are being reported accurately, completely and verifiably.

What's the Process?

  • Step 1

    In the initial phase of your credit repair journey with us, we'll collect some basic but necessary documentation from you including but not limited to, Your Experian, Equifax, TransUnion and Innovis Reports and  breif survey which will tell us more about your situation.

  • Step 2

    You'll make payment. We send you a link to make your first payment.

  • Step 3

    Once payment has been successfully remitted, we will  forward you the necessary disclosures and request identification documentation that the bureaus require to submit disputes.

  • Step 4

    All of your information will be forwarded to our consumer dispute team for a forensic file review.

  • Step 5

    Any negative items in question will then be disputed by our consumer law dispute team for up to 4 rounds (since each round of credit repair can take up to 45 days this typically equates to about 5-6 months of service). 


    Disputing this way gives you the best possible opportunity to get negatives that are being incompletely, unfairly, inaccurately, unverifiably or unvalidatably reported removed from the credit report permanently.


    It also gives you the opportunity to possibly be awarded compensatory or punitive damages if the attorneys are able to find violations on the credit report that can be taken to court.

  • Step 6

    At the end of the 4th round of disputing we will forward your file to one of our attorneys for review. Should they see any possible violations to attack in court, they will takeover the file at no extra charge.

What's the Process?

  • Step 1

    In the initial phase of your credit repair journey with us, we'll collect some basic but necessary documentation from you including but not limited to, Your Experian, Equifax, TransUnion and Innovis Reports and  breif survey which will tell us more about your situation.

  • Step 2

    You'll make payment. We send you a link to make your first of only 2 payments of $98.

  • Step 3

    Once payment has been successfully remitted, we will schedule a phone interview with you to go over all of the expectations of the process, as well as make sure that all of the documentation that we have collected is accurate and complete.

  • Step 4

    All of your information will be forwarded to our attorneys for a forensic file review.


    If they believe that there are errors on your reports or in the submitted documentation that are egregious enough to take to court, they will accept your file and meet with you directly to discuss the rest of the process.

  • Step 5

    Any negative items in question will then be disputed by the attorneys for up to 4 rounds (since each round of credit repair can take up to 45 days this typically equates to about 5-6 months of service). 


    Disputing this way gives you the best possible opportunity to get negatives that are being incompletely, unfairly, inaccurately, unverifiably or unvalidatably reported removed from the credit report permanently.


    It also gives you the opportunity to possibly be awarded compensatory or punitive damages if the attorneys are able to find violations on the credit report that can be taken to court.

 

Our Specialties

You have rights when it comes to what is being reported about you on a credit report. 


If you have errors on your credit report, we'll happily conduct case review to determine if your rights under the Fair Credit Reporting Act were violated.


Credit reporting agencies occasionally report inaccurate information on credit reports. This inaccurate information can sometimes lead to missed employment opportunities, higher insurance rates, denied credit/loan applications, reduction of loan/credit limits, or higher interest rates. The Fair Credit Reporting Act (FCRA) gives consumers the right to dispute inaccurate credit reports and request and investigation into the inaccuracies.


The Fair Credit Reporting Act is designed to protect consumers. The law requires credit reporting agencies to use the maximum possible accuracy when reporting our credit activity. If they fail to do so, and ignore your request for review, you may be able to recover your losses. The FCRA requires that credit reporting agencies investigate a dispute and promptly notify involved creditors. Those creditors also have the responsibility under the FCRA to conduct an investigation to verify your claims. The investigation process can take no longer than 30 days.


If the credit reporting agencies or the creditors fail to reasonably investigate your credit report dispute within the allotted time frame, you could be entitled to receive monetary damages should it be determined they violated the law and your rights. We're here to help you do JUST THAT!!!

Every year, millions of people fall victim to identity theft. Identity theft has many forms. It ranges from a stranger hacking into your digital accounts to obtaining loans or credit cards in your name their own personal gain.



No matter what form Identity Theft takes, the results can be devastating to one’s personal finances.

The most common problem reported with background searches involves mixed files.  While this is more likely for people with common names, anyone can find that their information is mixed with another.


The Fair Credit Reporting Act requires credit reporting agencies like Trans Union, Equifax and Experian, use the maximum possible accuracy when reporting credit history and activity. This law also obligates them to conduct a reasonable investigation when a consumer disputes an inaccuracy. If incorrect information appears on a background report, and the consumer/applicant notifies the reporting bureau of this inaccuracy, the reporting bureau must conduct an investigation, free of charge. The agency must then report back the results, and if the information is removed, offer to send this new report to any person or company that received your incorrect report in the recent past. If they fail to do so, and ignore your request for review, you may be able to recover your losses.

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