Consumer Credit Repair

Your credit score is based on several factors. One of the most important is the length of your credit history. How long you have had a credit file will greatly affect your chances of getting credit; there is nothing you can do to alter this length. However, other factors that affect your credit score, like how many and what types of accounts you have, how much is owed and how timely payments have been, can be improved upon. Some can also be altered with consumer credit repair.

Legacy Legal Services specializes in consumer credit repair services. Our team of paralegals knows the law inside and out and can make it work in your favor. The credit bureaus and certain government agencies would have you believe that you do not need to hire a consumer credit repair company, as there is little you can do anyway to repair your credit. Of course the bureaus are going to tell you this. Why do they care if your credit score is tarnished? By you challenging items it will only create more work for them. So they will do anything they can to discourage you.

One of the tactics used to frustrate your efforts is the use of stall letters. While it is your right under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act to dispute any negative item on your credit report, the bureaus will find loopholes in the law to get around investigating your claim. The bureaus will often respond with: "This claim is frivolous" or "irrelevant" or "has been previously investigated" or "previously verified". If the bureaus dismiss your claim without following investigation protocol, they are in violation of the law. Legacy Legal Services enforces the law and demands that bureaus back up all of their assertions.

This includes producing relevant and adequate documentation verifying that the negative item is yours. If they cannot do this, they must remove the item from your credit report. Legacy Legal Services also realizes there are certain rules that the consumer, as well as third-parties representing the consumer, have to follow. We have a thorough understanding of the law and by staying within our parameters we have seen tremendous results. We are the experts when it comes to consumer credit repair.