Client Testimonials

I just wanted to let you know how pleased we are with your services. We were able to get the loan that we wanted to refinance our home and got back over $20,000 in the process. We plan on using some of that to clear some lingering issues that are still on my credit repo...

Q & A - Questions and Answers

This all sound so easy, can't I restore my credit myself?

While this may sound easy, any person who has attempted to dispute his or her own credit report will tell you otherwise. According to federal law, the credit bureaus can ignore your dispute under a variety of conditions. In our experience, large parts of dispute letters sent directly from consumers are rejected, based on one pretext or another.

What makes the difference? Through our 19+years of experience, we know the credit bureaus ignore consumer challenge letters for various reasons. That is why we are careful to write exactly what the bureaus will respond to in a positive way. We definitely have experience on our side.

Many prospective customers ask how they are informed of changes on their credit reports once the Legacy Legal Services system is underway. The answer is simple. The credit bureaus send copies of your credit reports to you through the mail whenever changes are made. It's important that you mail us a copy of this new, updated report so that we can continue our process.

There are several reasons the credit bureau removes negative items from credit reports:

A listing is only somewhat inaccurate. Sometimes, if the item in question is only somewhat inaccurate, the credit bureau may change it to show accurate status.
Often, a challenged credit item cannot be verified. The creditor either no longer possesses the information or does not wish to go to the trouble of verifying it. Once the 30-day limit for a challenge lapses, the credit bureau has no choice but to remove the listing from the credit report.
Many times the investigation is ignored or the bureau is unable to complete it within the 30-day time limit.

For the reasons listed above, properly challenged negative items are removed with remarkable frequency. About 30% of challenged negative items are deleted each time the report is challenged. That is why challenging the credit reports 4-5 times in a year can be so effective.

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