Absolutely not! Unlike credit repair companies that charge a fee each month, our Attorney developed credit repair system is completely FREE.
Help & FAQ
Do you charge reoccurring fees to use your credit systems?
How does It work?
You simply enter your information and the negative items you want to
remove, then upload your identification. The credit repair system then generates custom dispute letters and sends them directly to Experian, Equifax and TransUnion.
Do I need a copy of my credit report?
For the Credit Repair System you will need a credit report from each of the three credit reporting agencies. Under the Fair Credit Reporting Act you are entitled to one free credit report from each of the three credit bureaus, every year. This report will not include your actual credit scores, but you do not need your credit scores to utilize our Credit Repair System. If you would like your credit scores you may obtain them by paying a fee to the credit reporting agencies. You can obtain your free credit reports by going to www.annualcreditreport.com, or by going directly to the credit reporting agencies at the following web addresses:
http://www.experian.com http://www.equifax.com http://www.transunion.com
What services do you provide?
We offer FREE credit repair to the public.
How long does it take to remove negative items from my credit reports?
The credit reporting agencies are required by law to respond to you within 30 days. Negative items are often removed within this initial 30 day period. However, the removal process may require more than one letter be sent and the entire process can take 90 or more days. You may not be able to remove accurate negative items that the Credit Reporting Agencies verify in accordance with applicable state and federal law.
I used the system but received no response. What do I do now?
The credit reporting agencies are required by law to respond to you within 30 days. If you have received no response after 45 days, we recommend that you resend the letters. If you still have no response 45 days after resending the letters, you may contact your State’s Attorney General to report the credit reporting agency.
What is credit repair?
Most credit reports contain some form of negative information that can prevent you from obtaining loans, insurance, an apartment, or even a job. Oftentimes the negative information is inaccurate or cannot be verified as required by Federal law. Legally Remove Bad Credit proprietary Credit Repair System utilizes the Fair Credit Reporting Act enacted by the U.S. Congress to legally remove negative credit information that is inaccurate or cannot be verified by the credit reporting agencies.
Do you guaranty that I can remove negative credit items?
Federal law does not allow us to guaranty any results, but what we can tell you is that LegallyRemoveBadCredit.com proprietary Credit Repair System has been used to remove countless negative items from credit reports. You may not be able to remove accurate negative items that the Credit Reporting Agencies verify in accordance with applicable state and federal law.
Is it legal to fix my credit?
There are a lot of credit repair companies that use illegal techniques to try and repair credit. These companies can get you in real trouble, and then disappear when you need help. Our proprietary Credit Repair System based on years of experience and trial and error. Our Credit Repair System is completely legal and was designed by an attorney.
Can deleted items reappear on my credit report?
On occasion, a negative listing that was deleted reappears on your credit report. The Fair Credit Reporting Act requires that the credit bureau inform you before they re-report a previously deleted credit item. If this happens to you, you need to restart the process to have the item removed.
If I remove a credit item from my credit report, do I still need to pay the creditor?
If a negative item has been removed from your credit report, but the underlying debt has not been paid, you are still obligated to pay the debt and the creditor can still pursue you for the obligation.
Will pulling my own credit reports harm my credit score?
If you use the free services to pull your credit reports, it will not affect your credit score. If you receive credit reports through a mortgage company or other lender, these are typically “hard inquiries” which will take a few points off of your credit score.
How is my credit score created?
The three major credit reporting agencies, Experian, Equifax and TransUnion (also known as credit bureaus) have specific criteria and secret algorithms that calculate your credit score based on information provided to them by various parties, including credit card companies, banks and public records. For many years the credit reporting agencies were unregulated and consumers had no right to contest their credit reports. This resulted in abuse by the credit reporting agencies that damaged countless consumers. Because of the abuse, Congress enacted the Fair Credit Reporting Act and related laws to protect consumers and allow them to repair their credit.
Are the credit bureaus government agencies or regulated by the government?
The credit reporting agencies are not government agencies. They are large profit-seeking corporations formed to help banks and other large companies. The credit reporting agencies are regulated by federal and state laws, including the Fair Credit Reporting Act.
What personal information is contained in my credit report?
Many people do not realize the vast amount of personal information that is contained in their credit reports. The information includes current and prior addresses, employment information, companies you have applied to for credit, your payment history for the last 7 years, and any public records. The credit reporting agencies obtain information from numerous third parties, and oftentimes the information is not accurate!