Consumer laws are designed to protect you from violations by credit reporting agencies. 15 U.S. Code § 1692g – Validation of Debts This law mandates that credit reporting agencies must validate any debts that you consider inaccurate. Have you ever received a notification from a credit reporting agency claiming to have validated your information without providing any documentation, especially if you personally disputed negative items or had a credit repair company dispute items on your behalf?
We are not a credit repair company. Instead, we empower you by providing licensed attorneys who will effectively dispute all negative items on your credit report, ensuring that creditors and credit reporting agencies comply with consumer law.
Credit repair companies often face significant challenges in achieving results due to false claims and regulations that prevent them from charging fees before services are rendered. This has led states like Georgia to make credit repair illegal, with others potentially considering similar actions. Because credit repair companies have limited rights, credit reporting agencies and creditors know that hiring such a company often means waiving many of your consumer rights. As a result, they frequently respond to disputes with requests for validation since they are not obligated to comply with consumer laws unless you are represented by a licensed attorney with power of attorney. This situation often results in little or no success for the consumer.
Our attorneys demand proper validation as required under consumer laws or the removal of negative items from your credit report. There are no monthly fees because your assigned attorney will obtain power of attorney and dispute all items at once. This legal representation obligates creditors and credit reporting agencies to respond with validation of all items within 30 to 45 days, or the negative items must be removed.
Flexible Payment Solutions to Start Your Credit Journey Today
Yes, we do offer a payment option for our credit counseling and repair service. The total cost is $499.99, plus a power of attorney fee of $25. You can make an initial deposit of $300 and pay the remaining balance of $199.99 within 30 days. If you choose this option, your attorney will initiate the dispute process with the credit reporting agencies and creditors, follow up with the general counsel of the credit reporting agencies, and respond once the final payment is made.
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You will grant power of attorney (POA) to a licensed attorney, allowing them to act on your behalf and communicate with creditors and credit reporting agencies. This ensures that they comply with the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) consumer laws, and with the creditors and credit reporting agencies so that they comply with the FDRA and FDCPA consumer laws.
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Your licensed attorney will review your credit report and dispute all inaccurate items by sending disputes to all three credit reporting agencies: Experian, Equifax, and TransUnion. This process will also include sending cease and desist letters to creditors (debt collectors) and contacting government agencies, including the Federal Trade Commission and the State Attorney General. Our attorneys communicate directly with the General Counsel of the legal departments for the three major bureaus.
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According to consumer law, credit reporting agencies and creditors (including debt collectors) have 30 to 45 days to respond to and validate any negative items on your credit report. If they cannot validate these items within this timeframe, they must be removed. You will be contacted with updates on any pending or completed responses, and you will be informed if any additional information is needed. will be contacted with all responses and results that could be pending or completed and if any more information is needed.
– Validation of Debts This law mandates that credit reporting agencies must validate any debts you identify as inaccurate. If you’ve ever received a notification from a credit reporting agency claiming to have validated your information without providing any supporting documentation—whether you personally disputed negative items or engaged a credit repair company to dispute items on your behalf—you may have encountered a violation of your rights.
– Procedure in Case of Disputed Accuracy Under 15 U.S. Code § 1681i, credit reporting agencies are required to thoroughly outline their validation process and how they handled disputes regarding inaccuracies. Our licensed attorneys are committed to ensuring that credit reporting agencies comply with consumer laws. They actively engage with the general counsel in the legal departments of each credit reporting agency to enforce compliance and safeguard your rights as a consumer.
Through our legal credit counseling service, you’ll be connected with one of our partnered consumer law attorneys who specialize in credit reporting matters. Our attorneys have extensive experience in handling credit disputes and consumer protection cases across all 50 states.
Our legal team assists with: • Credit reporting violations • Debt collection practices • Consumer protection matters • Credit bureau disputes • Creditor negotiations
As part of our $499.99 all-inclusive package (plus $25 notary fee), you’ll receive attorney consultation, comprehensive analysis of your three major credit reports, and direct legal representation. Your assigned attorney will handle all communications with credit bureaus, creditors, and relevant consumer protection agencies on your behalf.
Our attorneys work through our established legal framework to achieve results within 30-90 days, ensuring all actions comply with consumer protection laws and federal regulations.
Our All Inclusive Package is a ONE time cost of $499.99 This is NOT a subscription service.
We stand behind our work, and that’s why over thousands of people have trusted us to
legally repair their credit in the first place. We’ve made our service risk-free. Our goal is
to make you one of our thousands of satisfied customers and we’re willing to go the
extra mile for it. That’s our promise to you.
Each situation is unique, results are in 30-90 days.
It all depends. There are no two credit reports that are exactly the same. Everyone’s
results will vary, but you can be certain we will get you the best results possible. And
with our unbeatable service you have nothing to lose.
A better question would most likely be “what items cannot be removed”. Our Attorneys deal with any disputes on your report.. Here is a list of some:
Late Payments
Charge Offs
Foreclosures
Judgments
Repossessions
Personal Identification changed or corrected
Closed Accounts
Bankruptcies
Negative Settlements
Liens
Collection
Yes, You will work with a real law firm, with actual lawyers.
