Credit History Repair

Your credit report is a blueprint of all of your financial transactions having to do with credit. It is your credit history. Lenders scrutinize your credit history to determine your creditworthiness (how likely you are to make your loan payments). Your credit history, which plays a large role in your overall credit score, will determine whether or not you qualify for a loan and at what rates. It is in your best interest to have the best credit history as possible.

Your credit history is just that--history. It serves as a record of your past financial decisions, and it is among the primary tools used by lenders to determine the likelihood that you will default on loan payments. If you are planning to buy a new car or home, your credit history will be examined. A poor credit history may mean that you'll be charged higher interest rates or even denied the loan that you need.

You can, however, take action to repair your credit history. At Legacy Legal Services, we have 20 years of experience working with clients to repair their credit histories so that they are not hindered by their past credit ratings. We will exhaust all legal means to improve your credit score, and our goal is to raise it to above 700.

Did you know that credit bureaus are required to provide documentation for all of the negative items that appear on your credit report? You're also entitled to dispute any of these negative items. It may come as no surprise to you that the credit bureaus do not advertise these rights to you, but Legacy Legal Services Legal Service is aware of them and employs them to their fullest extent for credit history repair.

We will examine your credit history to determine which items you should act to repair. If there are any items for which you are not responsible, we'll press the credit bureaus on your behalf to remove these items. We've been able to achieve results within as little as 60 days, so contact us today. Our friendly staff will go to work to repair your credit history immediately.