How do you define credit? Credit is defined as a reputation for sound character or quality. Your reputation and character as a consumer are determined by how people perceive your past credit. With the help of Midwest Credit Law we can help get you back on track, because everyone deserves a second chance.

Our Firm can legally remove negative items from YOUR credit report.

Late Payments
Judgement/Liens
Bankruptcies
Repossession
Charge Offs
Collections
Inquiries
Foreclosures
And more...

 

1. IS CREDIT REPAIR LEGAL?
Yes, The Fair Credit Reporting Act (FCRA) was created on the behalf of consumers to allow them to review and determine what is rightfully on their reports and what is not. Further to be able to dispute or challenge any information that is misleading, misrepresented or reported negatively.

Although the credit reporting agencies would like you to think otherwise, it is your right to challenge or dispute any information that is on your credit report. What is it that we do? We improve your credit by identifying the negative items that are lowering your credit score. After identifying the misleading, unverifiable, and inaccurate items we then work to delete them from your credit history.

What are some of the items that you can remove?

  • Tax Liens Foreclosure
  • Collections
  • Repossessions
  • Garnishments
  • Bankruptcies
  • Judgments
  • Charge Offs
  • ... and much more>>

2. WHY DO THE CONSUMER REPORTING AGENCIES DISLIKE CREDIT REPAIR?
Because they lose money! A person with "bad credit" has 70% more inquiries on their file than a person with "good credit", think about that for a minute, every time a credit file is pulled the CRA's make money (in between three and five dollars a piece)! So do they want you to fix your credit, absolutely not! Thankfully we live in a democracy, where everyone is entitled to a fair defense. A courtroom would never stand for a prosecuting attorney to point his finger at you and yell "guilty" and then not prove his case... so why would we stand for the credit reporting agencies to do it? We agree with the law makers and Congress; that the credit reporting agencies must back up what they report about you. The real issue here is not always whether the information is even accurate or not, but is the reporting agency able and willing to prove it. If your defense is properly presented, it is usually more trouble for the credit reporting agencies to verify the information on your report than it is for them to simply delete it. You can appeal to the three reporting agencies yourself, or you have the right to hire someone to do it for you. The choice is up to you, we have helped countless people regain control of their credit situation, and we would like the opportunity to help you. Enroll today!

3. HOW LONG DOES THE CREDIT PROCESS TAKE?
Normally you will see a significant improvement to your credit within the first 45-60 days. The length of the entire process is 3 to 6 months.

4. DO I HAVE TO COME IN FOR AN APPOINTMENT?
No. We can do everything over the phone or you can sign up via the internet.

5. HOW CAN I PAY?
We accept credit cards, money orders, or personal checks.

6. CAN I MAKE PAYMENTS?
Yes. We will work out a payment arrangement if needed.

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