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Free Credit Repair
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Most people can repair their own credit without the need of hiring a Credit
Service Organization.
The key to repairing your credit is to understand
the law and to follow the steps below:
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Obtain your free credit reports from the three major credit
reporting companies Experian, Equifax and Transunion by visiting the
website, AnnualCreditReport.com. |
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Review each credit report and note any data that is negative and in
error, or you believe may be in error. Generally, these are reported
late payments, charge - offs, notices of default, and accounts closed by
a creditor. |
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Write a letter to each of the three credit reporting companies
explaining that specific errors exist, the items should be removed, and
a corrected credit report be sent to you. The letters should be sent by
regular and certified mail so that you have a dated proof of mailing. |
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Upon receipt of your letters, the credit reporting companies have
thirty days to verify the accuracy of the reported data, or they must by
law, remove the negative item(s). Thus, they must contact the creditor
or the original creditor's successor to obtain a response to their
inquiries. Sometimes original creditors respond very quickly. Sometimes
original creditors fail to pass on complete files making it impossible
for a successor creditor to verify credit activity that occurred before
they acquired the account. |
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Repairing your credit can result in an improved credit score which can save
you thousands of dollars on a home or other large loan. Do not let creditors
charge you higher interest because of errors on your credit reports. Remember,
if the credit reporting agencies cannot obtain verification of a negative item,
they must remove the item after thirty days.
Some people believe that
letters sent from a law firm will receive a more favorable response from the
credit reporting agencies. There is no way to prove this one way or the other.
We believe you can repair your own credit.
If you would prefer to have
us review your credit reports and send appropriate letters on our letterhead,
the cost is a flat fee of $300.00.
The Credit Services Act of 1984 (Civil
Code Sections 1789.10 - 1789.26) as amended is the California law that applies
to Credit Service Organizations.
Areas Served:
Los Angeles County:
Acton, Agoura, Agoura
Hills, Agua Dulce, Alhambra, Altadena, Arcadia, Arleta, Artesia, Avalon, Azusa,
Baldwin Hills, Baldwin Park, Bassett, Bell, Bell Canyon, Bell Gardens,
Bellflower, Beverly Hills, Bouquet Canyon, Box Canyon, Burbank, Calabasas,
Calabasas Hills, Canoga Park, Canyon Country, Carson, Castaic, Century City,
Cerritos, Chatsworth, Claremont, Commerce, Compton, Covina, Cudahy, Crystalaire,
Culver City, Del Sur, Diamond Bar, Downey, Duarte, East Los Angeles, East Rancho
Dominguez, El Monte, El Segundo, Encino, Firestone Park, Flintridge, Gardena,
Glassell, Glassell Park, Glendale, Glendora, Granada Hills, Hacienda Heights,
Hawaiian Gardens, Hansen Dam, Hawthorne, Hermosa Beach, Hidden Hills, Highland
Park, Hollywood, Huntington Park, Industry, Inglewood, Irwindale, La Canada
Flintridge, La Crescenta- Montrose, La Habra Heights, La Mirada, La Puente, La
Verne, La Canada, Lake Hughes, Lake Los Angeles, Lake View Terrace, Lakewood,
Lancaster, Lawndale, Leimert Park, Lennox, Leona Valley, Lincoln Heights,
Littlerock, Lomita, Long Beach, Los Angeles, Lynwood, Malibu, Manhattan Beach,
Marina Del Rey, Maywood, Mission Hills, Monrovia, Monte Nido, Montebello,
Monterey Park, Mount Baldy, Mount Wilson, Newhall, North El Monte, North Hills,
North Hollywood, Northridge, Norwalk, Pacoima, Palisades, Palmdale, Paramount,
Pearblossom, Pico Rivera, Pomona, Quartz Hill, Rancho Dominguez, Rancho Palos
Verdes, Rancho Park, Redondo Beach, Reseda, Ritter Ranch, Rolling Hills, Rolling
Hills Estates, Rosemead, San Dimas, San Fernando, San Gabriel, San Marino, San
Pedro, Santa Clarita, Santa Fe Springs, Santa Monica, Saratoga Hills, Saugus,
Sherman Oaks, Sierra Madre, Signal Hill, South El Monte, South Gate, South
Pasadena, Stevenson Ranch, Studio City, Sun Valley, Sun Village, Tarzana, Temple
City, Toluca Lake, Topanga, Torrance, Tujunga, Universal City, Val Verde,
Valencia, Valley Village, Van Nuys, Venice, Vernon, Walnut, Walnut Park, West
Covina, West Hills, West Hollywood, West Los Angeles, West Toluca Lake,
Westchester, Whittier, Wilmington, Windsor Hills, Winnetka, Woodland Hills.
Ventura County:
Camarillo, Channel Islands, Faria Beach, Fillmore,
Moorpark, Newbury Park, Oak Park, Oak View, Ojai, Oxnard, Port Hueneme, Santa
Paula, Saticoy, Somis, Simi Valley, Thousand Oaks, Ventura (San Buenaventura),
Westlake Village.
Orange County:
Aliso Viejo, Anaheim, Balboa
Island, Brea, Buena Park, Corona Island, Costa Mesa, Cypress, Dana Point,
Foothill Ranch, Fountain Valley, Fullerton, Garden Grove, Huntington Beach,
Irvine, La Habra, La Palma, Ladera Ranch, Laguna Beach, Laguna Hills, Laguna
Niguel, Laguna Woods, Lake Forrest, Los Alamitos, Mission Viejo, Newport Beach,
Newport Coast, Orange, Placentia, Rossmoor, San Clemente, San Juan Capistrano,
Santa Ana, Santa Ana Heights, Seal Beach, Stanton, Tustin, Tustin Foothills,
Villa Park, Westminster, Yorba Linda.
San Bernardino County:
Adelanto, Apple Valley, Barstow, Big Bear, Big Bear City, Chino, Chino Hills,
Colton, Crestline, Fontana, Grand Terrace, Hesperia, Highland, Joshua Tree, Lake
Arrowhead, Landers, Loma Linda, Montclair, Morongo Valley, Needles, Ontario,
Rancho Cucamonga, Redlands, Rialto, Running Springs, San Bernardino, Twentynine
Palms, Upland, Victorville, Yucaipa, Yucca Valley.
Riverside County:
Anza, Banning, Beaumont, Bermuda Dunes, Blythe, Cabazon, Calimesa, Canyon
Lake, Cathedral City, Cherry Valley, Coachella, Corona, Desert Hot Springs, East
Blythe, East Hemet, El Cerrito, Glen Avon, Hemet, Highgrove, Home Gardens,
Homeland, Idyllwild-Pine Cove, Indian Wells, Indio, La Quinta, Lake Elsinore,
Lakeland Village, Lakeview, Mecca, Mira Loma, Moreno Valley, Murrieta, Murrieta
Hot Springs, Norco, Nuevo, Palm Desert, Palm Springs, Pedley, Perris, Quail
Valley, Rancho Mirage, Riverside, Rubidoux, San Jacinto, Sun City, Sunnyslope,
Temecula, Thousand Palms, Valle Vista, Wildomar, Winchester, Woodcrest.
Santa Barbara County:
Ballard,
Buellton, Carpinteria, Gaviota, Goleta, Guadalupe, Hollister Ranch, Hope Ranch,
Isla Vista, Lompoc, Los Alamos, Los Olivos, Mission Canyon, Mission Hills,
Montecito, Orcutt, Santa Barbara, Santa Maria, Santa Ynez, Solvang, Summerland,
Toro Canyon
California
Alameda County, Alpine County, Amador
County, Butte County, Calaveras County, Colusa County, Contra Costa County, Del
Norte County, El Dorado County, Fresno County, Glenn County, Humboldt County,
Imperial County, Inyo County, Kern County, Kings County, Lake County, Lassen
County, Los Angeles County, Madera County, Marin County, Mariposa County,
Mendocino County, Merced County, Modoc County, Mono County, Monterey County,
Napa County, Nevada County, Orange County, Placer County, Plumas County,
Riverside County, Sacramento County, San Benito County, San Bernardino County,
San Diego County, San Francisco County, San Joaquin County, San Luis Obispo
County, San Mateo County, Santa Barbara County, Santa Clara County, Santa Cruz
County, Shasta County, Sierra County, Siskiyou County, Solano County, Sonoma
County, Stanislaus County, Sutter County, Tehama County, Trinity County, Tulare
County, Tuolumne County, Ventura County, Yolo County, Yuba County
If you searched for any of the following terms, you have found the right
website:
Credit Repair, Credit Report, Credit Report Errors, Credit
Reporting Companies, Credit Services Organization, Free Credit Repair, Free
Credit Reports, Negative Credit, Repair Credit
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