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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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