​What Is Credit Repair?

​Credit repair is legal at the federal level and in almost every state except Georgia.
CRDC credit repair services are designed to help consumers remove inaccurate or unverifiable information from their credit reports. In reality, however, many credit repair companies are simply trying to get negative information removed from credit reports before it would naturally fall off a credit report. There are steps that you may need to take to repair your credit which can be difficult to remove on your own.
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​What Do Credit Repair Companies Do?

Ultimately, we attempt to repair your credit on your behalf with the 3 credit bureaus or with the companies that reported or "furnished" your credit information to the bureaus. These data furnishers are almost always debt collectors or financial services companies, like banks and credit card issuers. The intent is to have the credit bureaus or furnishers either delete the credit information altogether or modify it in some way that's more favorable to the consumer. Communications by credit repair companies can happen via the internet, phone, or U.S. mail. The U.S. mail has historically been the method that's preferred by credit repair companies for several reasons.

The theory is we can send a large volume of dispute letters challenging the same item over and over, that somewhere along the way either a credit bureau, lender, or debt collector will fail to process the dispute within the 30-day period specified by the Fair Credit Reporting Act (FCRA), resulting in the account being deleted.​

If you want to inquire about our credit repair service, please go to our home page and subscribe to become a member.