Common Questions
Is credit repair legal?
Disputing items on your credit report is your right. Credit restoration is as legal as pleading "not guilty" in a court of law. The FCRA (Fair Credit Reporting Act), the FDCPA (Fair Debts Collections Practices Act), the Fair and Accurate Credit Transaction Act (FACTA) and the Health Insurance Portability and Accountability Act (HIPA) were designed to protect your rights, and initiated to hold creditors and credit bureaus legally responsible for all claims they make against you.
Because of the millions of people the credit bureaus are required to keep track of, it's common for them to violate at least one of the hundreds of federal laws. The FCRA states that all information on a credit report must be accurate, timely, and, verifiable in order for it to remain on your report. Credit bureaus do not verify information before placing it on your report. This alone could result in 40% of your credit report being inaccurate in one way or another. The bureaus and creditors are given 30 days to provide documented evidence to verify the negative information on your report.
That's where we come in. We simply require the bureaus and creditors to uphold the law and will hold them responsible for violating any aspect of federal law. When violations occur, the bureaus and creditors are required to remove the negative item from your report. We're here to see that it happens.
"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."