Please visit our pricings 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 an on-line account page where you can watch progress. This is where the majority of communication will take place. There is a Time Line and Progress Report as well as Credit Analysis component.

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 that you can reference for information about challenging information on your credit reports. LGC Credit Solutions 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No. Disputing is outdated and ineffective compared to modern credit enhancement techniques.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.

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.

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.

LGC Credit Solutions 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 LGC Credit Solutions 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.

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.

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.

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. Learn more about how to remove charge-offs from your credit report.

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.

Once you have a judgment against you, the plaintiff may be able to collect the money in several ways including wage attachments or garnishments. Learn everything you need to know about how judgments affect credit.

LGC Credit Solutions 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 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. Learn more about how to remove repossessions from your credit report.

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 LGC Credit Solutions 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.

Credit reports can be confusing for the average person. LGC Credit Solutions has prepared the Guide to Reading Your Credit Report.