You have the right to dispute anything on your credit report that appears to be inaccurate, outdated, erroneous or unverifiable…that’s the law. All creditors are obligated to prove the information on your credit report is accurate and correct any and all violations of the law.
If a creditor is unable to perform under the strict guidelines of the law, they must remove the account from your credit report.
The United States government began writing laws to protect you from creditors and the credit bureaus beginning in the 1960’s. Today there are dozens of state and federal laws creditors and credit bureaus have a difficult time following.
An account such as a collection, charge off, tax lien, short sale, foreclosure, auto repossession, even a bankruptcy can contain dozens of violations making it inaccurate, outdated, erroneous, or unverifiable. In other words…illegal
We use these laws to legally and permanently remove items from your credit report.
Even derogatory events that belong to you must meet strict legal guidelines. Just because something is added to your credit report doesn’t mean it complies with the law. If the creditor can’t verify the account and correct the errors it’s on your account illegally.
When our team of seasoned FICO Pros, paralegals and dispute processors examine your credit report we’ll identify the violations and create a detailed written dispute on your behalf.
To make it challenging for the creditor we’ll provide them with the specific state or federal law they’re violating, why they must remove the item, and the legal consequences established by case law if they don’t respond immediately.
We dispute all of your items at once. Nearly all credit repair companies charge an ongoing monthly fee even if they don’t delete a single item. They dispute only two or three items per month dragging your credit repair out for years to keep you paying. We don’t do that.
Our unique system combined with disputing all your items at once delivers two amazing results.
We hold ourselves to the highest regulatory standards. We comply with CROA (Credit Repair Organizations Act), The Federal Trade Commission, and are registered with the Department of Justice and the California Attorney General. Bonded & Insured