Credit Restoration

We offer our clients affordable, legal Credit Restoration / Repair  solutions with proven results.  Our commitment is deeply rooted in the belief every person should be knowledgeable about financial management and have the necessary tools available to improve their credit standing.

There are three major Credit Reporting Agencies (CRAs) which sell your information to all legitimate creditors and investors:

• Experian (previously known as TRW)

• Equifax

• TransUnion

In order to regulate these companies' activities, congress passed the Fair Credit Reporting Act (FCRA) of 1970. The Fair Credit Reporting Act sets the guidelines, rules and regulations by which the Credit Reporting Agencies can report a consumers' credit.

The law specifies that the information entered in your credit reports must be absolutely accurate, correct and verifiable. The law benefits you as the consumer because it states that, "you have the right to dispute" all information entered into your credit report by each credit reporting agencies.

It's your right as a consumer that all information about you must be "accurate" and "verified" before it is entered on your credit reports. If "reasonable procedures" have not been correctly followed by your creditors and the credit reporting agencies, then any verified inaccuracies must be removed from your credit reports as defined in the Fair Credit Reporting Act (FCRA).

The information entered into your credit report by all creditors whether it is bad, true, accurate, verifiable, and not verifiable it's going to stay on your report unless you dispute them.

As your Credit Representative,  through our service provider American Credit Education Services (A.C.E.S.) a non profit organization, we prepare and send professional personalized dispute letters to you (our clients) for you to review, sign and send each separate dispute package to the appropriate credit-reporting agency. We are simply here to assist you exercise your right as a consumer to challenge all negative items impacting your credit score.

Through our services we can challenge and dispute all derogatory and negative items off your credit report. Our credit repair services has helped many of our clients delete negative items such as:

Our fee for our credit repair service is good for one year, although in most cases, credit repair work is completed within three to six months and many times sooner.

The program is simple, completely legal and very effective.

• No matter how many negative items

• No matter what type of negative items

• No matter how long they've been in your credit reports

We charge a flat fee of $575 per social security number.

There are no other ways to effectively conduct credit repair except for dispute letters and that's what we do, PERIOD.

Contact us at (213) 500-5452 for a completely confidential consultation.