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A Chapter 13 bankruptcy usually remains on your report for 7 years, but could be removed sooner if you repay a portion of the debt. Many of our clients come to us from companies like Lexington Law because they are looking for a more aggressive approach. You start to receive dispute letters from the credit bureaus in the mail and send them back to us.

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Having a bad credit score means that you are a liability to the bank. A dispute letter is basically a claim that negative information on your credit report is inaccurate or out-dated. Using our investigative research team — we know how to reply to their response letters. We will audit your creditors and, if needed, have them deal with our credit attorneys directly. It is important to know the tell-tale signs that you need credit repair. Having a bad credit score means that you are a liability to the bank.

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