Common Questions
Is it possible to start over with a clean slate?
Yes it is possible and many consumers have been known to do it, but it is fraud. The only ways to establish a new credit file is to assume someone else's identity, alter your social security number or use an employer identification number (EIN) in lieu of an SSN. Lying about personal information is a crime. You should steer clear of any company that promotes this fraudulent practice. If you get caught, you could be facing steep fines and even jail time.
In addition, a brand new credit report with nothing on it is suspicious; especially if, at your stage in life, you should have an established file. Plus, no credit history can be just as detrimental as a tarnished credit history. Creditors aren't likely to lend you money if you don't have an established history that demonstrates your creditworthiness.
"We just hit 724 on Experian, FANTASTIC work by all your paralegals working on my account."
"I was trying to get my credit score up to buy a house. You guys did it!! My house funded
today. Thank you all so much for your hard work, I really appreciate it."
"Thanks to you guys I was able to order my new car the same time I gave back the old one.
For which I originally needed a cosigner for because me credit wasn't good enough to get financing."
"There was no way I had the time or knowledge to fix my credit myself. Legacy Legal did exactly what they
said they would do. Thanks for the service and money well spent."
"Absolutely amazing!!! You took my bad credit with bad fico scores of 450 and pushed it to 656!!"
"In less than 60 days of working with you, our credit score has raised high enough to be able to qualify
for a mortgage loan the we were not able to before."