HOW DOES CREDIT REPAIR AND RESTORATION WORK?

After your free credit repair consultation, we put together a plan of action that is tailored to your specific case. No two credit reports are exactly alike. Therefore to obtain the best results possible it will entail more than just letter writing to the bureaus, but also the creditors and collection agencies as well. There are Federal & State laws in place to protect you from inaccurate and unverifiable credit reporting. We ensure that these laws are being followed by using our multi-stage process.

We demand validation and verification of inaccurate derogatory information using the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These laws have been established to protect consumers’ credit reports. Creditors and credit bureaus are legally obligated to produce documented evidence within 30 days, to back the claims they make. If they cannot validate their claims, they must promptly remove any undocumented information from the consumer’s credit report.