Please visit our Pricing page for details about our plans and pricing. Needless to say, we do not believe that credit repair should be cost prohibitive.

You will be given access to your very own personalized client portal where you can keep track of all progress. This is where the majority of communication will take place. This will also be the same place you will have access to all of the resource material that you are entitled to as a Lawful Restoration Services client.

Sure! You can also give yourself a root canal as well, but sometimes there are things that are best left to the professionals. That said, it is your right and responsibility to monitor and protect your own credit. The government has a set of laws to help you called the Fair Credit Reporting Act, as well as the Fair Debt Collection Practices Act, and may others that you can reference for information about challenging information on your credit reports. Lawful Restoration Services is here if you need help from professionals who work with the bureaus and these laws every day.

No. Hoping for someone else to make a mistake is not an effective strategy. The credit bureaus and creditors receive millions of disputes monthly. They are prepared to handle a heavy flow of challenges, so when we attack an item from your credit, we expect a response. All of our challenges are custom arguments. Our effectiveness is one reason why we’re ranked as the top credit repair agency by several financial-related websites, blogs and authorities.

No. Disputing is outdated and ineffective compared to modern credit enhancement techniques. While most credit repair companies still send out template, cookie-cutter disputes, they are not a very effective method of removing negativities from a credit report. We challenge the report-ability of the account by contesting that the requisite standards of METRO2 compliance are not being adhered to. This strategy is effective not only on accounts with inaccurate information, but also accounts where the information is factual, but the METRO2 compliance is deficient. We also challenge the violations found within our clients reports and deal directly with each and every collection agency reporting on your credit report. Our ethical yet aggressive tactics have made us #1 in our industry increasing our deletion rate to 98%.

Sure, your credit is your own, you just need to be aware that applying for new credit will add new inquiries to your credit report which will impact your credit score. One of the services we provide is helping clients know which lines of credit to open that will be most impactful, without worrying about getting denied. We also provide our clients with pre-approval assistance, so no new inquiries are added that are not attached to an open account(good inquiries).

Laws like the FCRA and the FDCPA give you the right and responsibility to assure the accuracy of the items on your credit reports. If information recorded on your credit reports does not accurately represent your behavior as a consumer, then you have the right to request that questionable information be removed from your reports. The Fair Credit Reporting Act (FCRA), Fair Credit Billing Act (FCBA) and the Fair Debt Collections Practices Act (FDCPA) afford you the legal right to dispute inaccurate items on your credit reports with the credit bureaus and your individual creditors.

Lawful Restoration Services helps clients attack their credit damage by challenging inaccurate, untimely, misleading, biased, incomplete, or unverifiable negative items from their credit reports. We also challenge the reportability of the account by contesting that the requisite standards of METRO2 compliance are not being adhered to. This strategy is effective not only on accounts with inaccurate information, but also accounts where the information is factual, but the METRO2 compliance is deficient. That’s why Lawful Restoration Services is ranked as the best credit repair company according to multiple customer rankings and financial publications.

YES. It is your responsibility to protect your credit while we are working on your history. If you add new damage to your credit report, you will be working against us, and will be in violation of your contract. You must continue to pay all of your bills on time while in the program to prevent any delays in your completion of the program.

It is possible for a negative listing that had been deleted to be verified by a creditor after the deletion is complete. When this happens the Fair Credit Reporting Act states that the credit bureaus need to inform you before re-reporting an items that had been deleted. It is a rare occurrence to have an item removed and replaced, but it is possible. Usually the bureaus do not send correspondence of reinsertion. Rest assured, our team of experts are specially trained to handle these situations promptly.

If they are revolving or installment accounts, paying your bills every month will build your credit history. We will also suggest resources that will aid in building your credit very quickly. This will assist you in receiving high limit credit approvals while still in the program.

A charge-off can remain on your credit report for up to seven years from the date of the first late payment that led to default. However, if the account is violating any laws enacted by Congress to protect you, the consumer, the account can possibly be removed earlier.

Depending upon the type of bankruptcy, it might stay on your credit report for up to a decade. The Fair Credit Reporting Act (FCRA) outlines the credit reporting limitations for bankruptcies. However if the information is inaccurately reporting or violates any of your consumer protection laws, the bankruptcy can possibly be removed sooner.

Once you have a judgment against you, the plaintiff may be able to collect the money in several ways including wage attachments or garnishments. Our agents are trained in the removal of judgements and have a successful history of the removal with all three bureaus.

Lawful Restoration Services can help you understand what should and shouldn’t be on your credit report and share tactics that may help you get incorrectly reported late payments removed. There are several laws enacted by Congress to protect you as well as enforce your rights to privacy. We enforce all of your rights on your behalf and this may include the removal of late payments as well.

There are two potential ways to remove a repossession. You can dispute a repossession or you can try to negotiate with the creditor to remove it early. Our credit restoration experts are trained in the removal of repossessions and have a success rate above 90%.

There are five circumstances under which you might be able to remove a foreclosure from your report earlier than expected. Learn more about how to remove foreclosures from your credit report.

A Lawful Restoration Services specialist can analyze your credit reports and discuss your credit history with you to determine which credit inquiries we may be able to help you remove.

You can ask a debt collector or creditor to remove a collection and this type of favor is known as a goodwill request or a pay-for-deletion. Be aware though that you need any promise in writing. There is no law stating that once you pay the debt is has to be removed from the credit report, and more than likely the collection agency will simply update the collection to paid. Be advised that a paid collection is just as bad as an unpaid collection.

Credit reports can be confusing for the average person. A Lawful Restoration Services expert will gladly go over your entire credit report with all three bureaus in detail. Book a consultation for more assistance.