Is Credit Repair Legal?

Of course it is. According to the Fair Credit Reporting Act (revised as FACTA), all consumers have the right to seek assistance in correcting any/all inaccurate / incomplete information on your credit report. By law, your credit report MUST contain accurate and complete information. It wouldn’t be fair to pay higher interest rates because inaccurate / incomplete information is lowering your credit scores.

Do I need an Attorney?

No. There is nothing an Attorney can do for you that a reputable Credit Consulting Company can’t do. The truth is, if Attorney’s had the experience and knowledge to do what we do, there would be “Credit Attorney’s”. Credit is not their area of expertise.

Are the credit bureaus government agencies?

No. All three consumer reporting agencies are national, independent, for-profit companies owned by their shareholders, and they are regulated by the Fair Credit Reporting Act (FCRA), the federal law which covers credit bureaus and credit reporting.

Does my spouse's credit impact my credit score?

If you hold a joint credit account, have co-signed a loan or have authorized use of another person's credit, these items could affect a score if they appear on your credit report. It's important that joint account holders or authorized users understand that their credit behavior does affect the other joint account holder or main account holder. A credit account held solely in the name of your spouse, child or any other family member cannot impact your credit score. However, in community property states, all debt acquired during a marriage is considered a joint debt, regardless if the account is joint or in the name of an individual spouse.

How long does the credit repair process take?

Typically, people begin seeing results in 45 to 60 days from the time we receive your credit reports. Based on individual circumstances, credit may be rehabilitated in as little as 90 days or it may take closer to a year. Be assured that Policeyourcredit.com.com will continue working on your behalf no matter how long it takes.

Can I do this myself?

Yes you can. The question is, which way will you be more successful? You can review your credit report, find inaccuracies and/or incomplete information and dispute it on your own. It is very important that you understand your rights before attempting to repair your own credit. Do you have the knowledge and the time to get the results you are looking for? Your credit is vital to your financial future. If you’re going to attempt this on your own, do extensive research and consult with someone who has done this in the recent past and has gotten positive results.