Legal Credit Repair

Anyone who has a credit report should be aware of important pieces of legislation. The Fair Debt Collections Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) give consumers protection against abuses levied by the bureaus, creditors, and collectors. When these laws are violated, which happens frequently, your name and your credit are tarnished. Legal credit repair can help you hold the bureaus, creditors, and collectors accountable for their violations and help you repair the damage created.

Legacy Legal Services specializes in legal credit repair. We not only help improve your credit report and score, we will also educate you about the laws that work in your favor and give you tips on how to prevent violations in the future. Part of our service is to provide on-going education to help you make sound financial decisions that will increase your credit score and keep it in good shape. We want to see you succeed and not fall prey to the traps set by the credit industry.

The law states that anything listed on a consumer credit report must be accurate, current and verifiable. The fact is that bureaus, and those who furnish information to the bureaus, are in violation of this statute on a regular basis. With billions of pieces of data being processed daily, the bureaus simply insert the information on credit reports without checking the validity. It would take an enormous amount of time, money, and manpower to complete the legal verification on each piece of data received. The bureaus hope consumers will stay ignorant to their rights. In the case that a consumer does pursue legal credit repair, the bureaus will do anything to frustrate those efforts. Again, they don't want to "waste" their resources on something they could care less about. That's right, the bureaus do not care about you and your credit rating.

At Legacy Legal Services, we hold the bureaus and furnishers of information accountable and demand they remove information that they cannot provide adequate documentation for. We will also address creditors directly when necessary. In addition, we will dispute personal information discrepancies as well as inquiries, records that other legal credit repair companies won't touch. Let us spare you the stress and frustration of trying to perform legal credit repair on your own. Our paralegals know the laws and methods to get the bureaus to cooperate. In our 20+ years experience, we have seen tremendous results in getting negative information removed. Join those who are reaping the benefits of healthy credit today.