10 Years in Business

Affordable Credit Repair

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Why We Do Credit Repair

The majority of people participating in the credit world are unaware of the magnitude of the decisions they make every day concerning their credit and what it will mean to their future wealth possibilities. Not only does credit status control the ability to apply for credit cards, a car or home loan; it can also affect the ability to rent a home or even get a job. Good credit is absolutely critical. Yet, millions of people continue to suffer with poor credit. It is becoming increasingly more difficult to establish and maintain good credit in today's economy. As so many entities are involved in the credit reporting process, inaccuracies and data entry mistakes are common place.

What we mean is that personal financial decisions and habits are not the only factors that contribute to credit history and status. Often our clients are victims of the "infallible" credit industry who make mistakes in the reporting process. It is estimated that over 75 million people have inaccurate, incomplete, and/or outdated items in their credit records, according the "Fair Credit Reporting Act".

We are also faced with the fastest growing crime of identity theft. You may know someone who has had their identity stolen. You can imagine the stress, time, and cost this violation has caused them. For these people, taking on the credit bureaus and creditors alone usually leaves them with nothing but a tarnished credit record. Our knowledge and expertise can help undo the damage caused by identity theft.

Whatever the reason people suffer with bad credit, we are here to help turn things around and get them back on the path towards healthy credit.

Here's the deal, according to the FCRA (Fair Credit Reporting Act) all information on a credit report must be accurate, timely and verifiable - repeat, VERIFIABLE, in order for it to legally remain on a report. If an item does not meet this criterion, the consumer is allowed to dispute it. The bureaus and creditors are given 30 days to provide adequate and documented evidence to verify the information. If the item cannot be verified, it must be removed. Credit bureaus do not verify information before placing it on a credit report. This alone could result in 40% of your credit report being inaccurate in one way or another.

Considering the lucrative profit the bureaus make by selling our information over and over, we are merely asking them to do their job by making sure what they are selling is accurate, timely, and verifiable.

Legacy simply requires that the bureaus and creditors uphold the law. When violations occur, the bureaus and creditors are required to remove the negative item from your report; we're here to make sure that happens.

Legacy believes in our constitution, which states that the client is innocent until proven guilty; unlike the bureaus, who seem to believe that the consumer is guilty until proven innocent.