Common Questions
Can negative items be removed?
Regardless of what you may have heard, thousands of clients have had derogatory information legally removed from their credit files. Here's an interesting true story that illustrates....
Over five years ago, an attorney visited a regulatory agency for a casual conversation with two agents. Members of the agency's office, as a matter of course, believed the credit bureaus' claim that bad credit could not be deleted.
The visiting attorney asked, "How many negative listings would you have to see deleted from consumer credit reports before you would believe that bad credit can be deleted: Ten? Fifty? One hundred? One thousand?" The agents responded with blank stares.
"How about 50,000 deleted listings? Would that number convince you?" continued the attorney. He pulled a stack of papers six inches thick from his briefcase. "In these pages, we have listed the permanent deletion of over 50,000 listings from our clients' files in the last two years alone," he explained.
The state agents pulled the stack across the conference table and began to pick through the pages, obviously taking in the massive list.
"But have you deleted any bankruptcies?" shot back one of agents, "We know that bankruptcies can't be deleted." The attorney leaned across the table and ran his finger down the first page. "There's one deleted bankruptcy and, there's another and another. Should I go on?" asked the attorney.
The state agents sat back in their chairs. "You know," began the junior agent, "I have this one listing on my credit report that simply must belong to somebody else..."
Though the system of correcting credit is not easy or foolproof, you will learn for yourself that you have the right to improve your credit. Good credit can be restored, and it need not take seven years.
"We just hit 724 on Experian, FANTASTIC work by all your paralegals working on my account."
"I was trying to get my credit score up to buy a house. You guys did it!! My house funded
today. Thank you all so much for your hard work, I really appreciate it."
"Thanks to you guys I was able to order my new car the same time I gave back the old one.
For which I originally needed a cosigner for because me credit wasn't good enough to get financing."
"There was no way I had the time or knowledge to fix my credit myself. Legacy Legal did exactly what they
said they would do. Thanks for the service and money well spent."
"Absolutely amazing!!! You took my bad credit with bad fico scores of 450 and pushed it to 656!!"
"In less than 60 days of working with you, our credit score has raised high enough to be able to qualify
for a mortgage loan the we were not able to before."