Credit repair is perfectly legal and more than that, it is your right and responsibility as a U.S. consumer. Everyone, no matter their income, current debts, or other financial issues, is legally entitled to a fair, accurate representation of the information that appears on their credit report.










Fair Credit Reporting Act (FCRA)

The FCRA is a piece of federal legislation enacted in 1970 that outlines a number of rules regarding the way your credit file is communicated.

First, it allows you access to your credit report at any time for a reasonable price, including at least one free copy from each credit bureau every 12 months. There situations in which you might qualify for a free credit report from Equifax, Experian, and TransUnion beyond the first free one.

The FCRA also limits who may access your credit report. They must have “permissible purpose” so that your report isn’t cluttered with multiple inquiries pulling down your credit score.



If you find any credit inquiry listed on your report that you did not explicitly authorize, we will have it removed.

Finally, the FCRA gives the right to dispute any items on your credit reports you feel may be inaccurate, untimely, misleading, biased, incomplete, or unverifiable (“questionable”).

In essence, we will dispute the questionable negative items on your credit reports that you feel are giving lenders an unfair impression of your creditworthiness.

What’s more is that we will require the credit bureau to open and complete an investigation within 30 days of the dispute being filed. They must also update us on any action that did or did not take place on your credit report as a result of that investigation.

As long as all steps are correctly followed during the dispute process, there’s no reason why we can’t improve your score to become an accurate reflection of your financial history.