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Common Questions

Is credit repair legal?

Disputing items on your credit report is your right. Credit restoration is as legal as pleading "not guilty" in a court of law. The FCRA (Fair Credit Reporting Act), the FDCPA (Fair Debts Collections Practices Act), the Fair and Accurate Credit Transaction Act (FACTA) and the Health Insurance Portability and Accountability Act (HIPA) were designed to protect your rights, and initiated to hold creditors and credit bureaus legally responsible for all claims they make against you.

Because of the millions of people the credit bureaus are required to keep track of, it's common for them to violate at least one of the hundreds of federal laws. The FCRA states that all information on a credit report must be accurate, timely, and, verifiable in order for it to remain on your report. Credit bureaus do not verify information before placing it on your report. This alone could result in 40% of your credit report being inaccurate in one way or another. The bureaus and creditors are given 30 days to provide documented evidence to verify the negative information on your report.

That's where we come in. We simply require the bureaus and creditors to uphold the law and will hold them responsible for violating any aspect of federal law. When violations occur, the bureaus and creditors are required to remove the negative item from your report. We're here to see that it happens.

Legacy Legal Services