PROFILE: Our experiences in the credit repair process and the procedures we employ rely on our comprehensive knowledge of the laws and rules that govern credit reporting agencies. Our track record has proven time and again that our services can remove inaccurate, negative, incomplete and unverifiable information from consumer's credit reports. We use Consumer Protection Laws found in the 1996 Credit Repair Organizations Act, the Privacy Act and the Fair Credit Reporting Act to legally remove negative information from your credit report. Most people with impaired credit are likely misinformed about the rules that restrict the reporting of various items. “...You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any “credit repair” company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years.” Profit and Loss Accounts - Charged-Off Accounts = R9 or I9 - Repossessions - Slow Pays or Late Pays -Bankruptcies - Student loans - Collections - Judgments - Tax Liens - Foreclosures - Excessive Inquiries - Write-Offs - R2 = 30 days late, R3, R4, R5, R8, R9. Our credit repair services have a proven record of success in helping people eliminate these and other problems that lead to credit problems of all kinds. We have helped numerous individuals qualify for new car loans, new mortgages and open new lines of credit with their improved credit scores! Contact our office and speak with a credit consultant today! We can determine over the phone if credit repair can help you. If most of your negative credit problems are from past creditors and situations over six months old, then you are a good candidate for credit repair.