What is Credit Repair Secrets? Credit Repair Secrets is here to help you repair your bad credit and to the best of our knowledge we are the only ones who can repair your credit permanently. We have turned a difficult and time consuming problem into a quick and inexpensive solution.

Why is a Law Firm better at repairing credit than a credit repair agency? Law firms and credit repair agencies operate under different sets of government regulations. Because of increased consumer complaints in regards to disreputable credit repair agencies, the government has imposed strict regulations on credit repair agencies. Overall, these regulations are a positive step towards protecting consumers from disreputable credit repair companies; however, the regulations also restrict some of the service offerings of legitimate credit repair agencies.Credit repair is the systematic removal of derogatory items from your credit report using your legal right to dispute questionable items. You tell your credit repair firm which items you would like removed from your report, and they will dispute the items with the credit bureaus.

What is the difference between your firm and a credit repair type company? Some credit repair companies are legitimate, others aren’t. Many charge outrageous fees and almost all restrict their business activities to credit repair which does nothing to educate the consumer on avoiding future credit mishaps. We are familiar with all of the federal and state consumer credit laws. We specialize in the mortgage industry and have extensive experience in both the collection matters and home loans.Credit repair is the systematic removal of derogatory items from your credit report using your legal right to dispute questionable items. You tell your credit repair firm which items you would like removed from your report, and they will dispute the items with the credit bureaus.

How can I fix bad credit repair score? The fastest, most effective way to fix bad credit and repair your credit score is professional credit repair. Credit repair will get you results faster and more efficiently than any other method. You will see improvements in your credit score within 30-90 days.Unfortunately, many credit repair agencies have taken advantage of the rising demand of credit restoration, posing as full service credit repair agencies, providing little to no real service and then quickly disappearing. Many of these ‘companies’ made promises they couldn’t, or didn’t intend to keep, only to take the money and vanish.

Can Credit Repair Be Done Legally? The Fair Credit Reporting Act insures that every American has a right to a credit report that is fair and accurate – free of errors, mistakes, outdated or obsolete information. This also guarantees the consumer the right to dispute negative credit information and that the credit bureaus – especially where such an account is of a disputed nature.While we will evaluate your credit report and advise you on what steps to take over the following year, we are not a credit repair agency. It is up to you to do take the proper steps to credit repair during the lease term.

What about credit repair companies? Under the Fair Credit Reporting Act, credit repair companies cannot do anything that you cannot do for yourself at little or no cost. You do not have to pay a credit repair company to learn what is in your file or to correct inaccurate or incomplete information.