Client Testimonials
My credit score is now 730! And I was able to finally purchase the boat of my dreams. I could not have done it without you.
As my credit is now perfect, I would like to close my account and discontinue your service. However, please know that it is only because ...
Q & A - Questions and Answers
If an item you've deleted comes back on my credit report, then what?
To begin with, the new Fair Credit Reporting Act instructs the credit bureaus to inform you before they re-report a negative listing. Sometimes a creditor will eventually verify a deleted negative item. The Fair Credit Reporting Act also makes it more difficult for the credit bureaus to re-report previously deleted items. Due to these restrictions, it is more difficult for the bureaus to put deleted listings back on credit reports. If this ever occurs, Legacy Legal Services simply challenges the listing again and asks for a permanent deletion.
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