What products do you offer through this website?

LegallyRemoveBadCredit.com offers two proprietary do-it-yourself credit systems: Credit Repair System to repair bad credit. Credit Lock System to lock your credit reports and prevent access by identity theft thieves and unwanted creditors and ID Theft Repair System which helps victims of identity theft. Our two credit systems – Credit Repair System and Credit Lock and ID Theft System were developed to allow consumers to handle their credit issues at the lowest cost possible through easy do-it-yourself systems.

Do you charge reoccurring fees to use your credit systems?

Absolutely not! Unlike credit repair companies that charge you a fee each month, we charge a one-time fee for our Credit systems which will save you hundreds, if not thousands of dollars.

How do I complete the forms?

The Systems come with complete instructions on how to complete the forms and where to send them.

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

How do I download my documents?

After you purchase one or more of our Systems, you will be sent an email with information on how to download the documents. Please allow up to 24 hours for the email to reach your inbox, and also check your Junk or SPAM inboxes for our email if it is not in your regular inbox.

What services do you provide?

Our documents are provided in PDF format. This is a universal format that will print on any printer. If you do not have software on your computer that allows you to open and print the files, you may download free software from Adobe Acrobat by going to the following web address: http://www.adobe.com/products/reader.html

Where do I send the letters?

Complete instructions on how and where to send the letters are contained in the downloads.

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.

How long does the Credit Lock System lock my credit reports?

The Credit Lock System will lock your credit reports until you unlock them. You will need the PIN number provided by the agencies to unlock your credit reports.

I lost my PIN for my Credit Lock System. How do I get a new PIN number?

If you lose your PIN number you will have to request a new PIN from the credit reporting agencies. The agencies may charge you a fee for providing a new PIN.

I sent the Credit Repair letters 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 use our Attorney General letter to 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. The Hartley Law Center 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!