Credit Report Repair Service

Have a credit history that needs repair, Loosing great opportunities because lousy credit, Is credit repair legal, Is there someone that can repair credit LEGALLY, The name of the Law Firm is Lexington, and they have been helping people with bad credit for over fifteen years. They specialize in repairing credit reports legally and their professional services and sucess are impressive. The time to act is NOW!

Step 1: Forward your credit reports. Lexington Law Firm will collect from you, your credit reports from all three of the major credit bureaus. Step 2: Choose which items to dispute. You will choose which items to dispute on the credit report. Step 3: Lexington works your case. Lexington begins the dispute process by drawing upon from its credit report repair strategies and experience to challenge questionable negative items directly with the credit bureaus. Step 4: Sit back and relax. The credit bureaus have thirty days to investigate your dispute and to remove the questionable negative items in your report.

Failed to disclose limits on “money-back guarantees”: The companies offered a money-back guarantee for certain services. However, they failed to disclose that the guarantee had significant limits, including that the consumer must pay for at least six months of the service to be eligible for the guarantee. Misled consumers about the benefits of their services: The companies misrepresented that their credit repair services would result in the removal of negative entries on consumers’ credit reports.

The companies also misrepresented to customers that their credit repair services would, or likely would, result in a substantial increase to consumers’ credit scores. The companies lacked a reasonable basis for making these claims. The relationship between the four companies is a bit complex, but according to the CFPB, each of the companies offered some form of credit repair services.

Commercial Credit Consultants is a Wyoming corporation that did business n Los Angeles. The company also operated under the name Accurise. According to the CFPB, Blake Johnson was the founder and majority owner of Commercial Credit Consultants, Prime Credit, and IMC Capital, and Eric Schlegel Schlegel was the president and a minority shareholder of Commercial Credit Consultants and Prime Credit.

500,000 in relinquished funds to the Department of the Treasury. The CFPB stated that from March 2013 through September 2014, Prime Credit used Park View Law’s name to market and sell credit repair services to consumers, and also provided credit repair services to consumers on behalf of Park View Law. Park View Law continued to offer and provide credit repair services through a similar arrangement until as late as June 2015, the CFPB said.

In a separately released statement, Prime Credit, IMC Capital, and Commercial Credit Consultants said that the companies chose to settle the CFPB charges but does not admit or deny the bureau’s allegations. According to the companies, their services “generated scores of testimonials from satisfied customers” during the companies’ four years of operation.

“We decided, with great reluctance, to settle this investigation in order to avoid the further time and expense of a legal battle over an enterprise that we sold several years ago. The investigation already had dragged on for more than two years,” the companies said in a jointly released statement. In their statement, the companies state that when they began marketing their services to consumers, they asked the California Department of Justice, to review their materials.

“During the years we operated the business, professionals with the California DOJ spent many hours redlining our consumer contracts and examining our operational policies in order to ensure our full compliance with the U.S. Credit Repair Organizations Act,” the companies state. According to the companies, the CFPB’s investigation stemmed from a former employee who left for a “rival agency,” not a consumer complaint. The companies also say that the CFPB’s issue is not with the “appropriateness” of the companies’ billing practices, but rather with when the bills were issued.

“Under both CROA and TSR, credit-consulting firms are required to bill in arrears - that is, after services are performed. The key difference is that while CROA allows firms to send out bills after services are performed, the TSR bars firms from even beginning to seek compensation until at least six months after all work is completed,” the companies continue. “Such an interpretation conflicts not just with best practice but, as far as we know, all practice in the credit-repair industry,” the companies add.

The companies close by stating that they are “proud” of the work they performed for consumers. “For us, the credit-repair business was a sideline, which we exited when we sold it three years ago,” the companies conclude. The companies state that they have “no intention of returning” to the credit repair business, and according to the CFPB, they won’t even be able to return to the business even if they wanted to. The proposed final judgments would prohibit any of the parties involved from doing business within the credit repair industry for five years. The parties would also be permanently prohibited from violating the Dodd-Frank Act or the Telemarketing Sales Rule.

If you have ever requested for insurance, a personal loan, or a credit card, there is a report about you. The report is termed as your credit statement. It is full of data on where you reside, how you settle your credits and if you have been filed for bankruptcy, arrested or sued.

Customer reporting agencies sell the details in your statement to employers, insurers and creditors with a legitimate need for it. They utilize the details to access your requests for a lease, employment, insurance or credit. Possessing a healthy credit status signifies it will be simpler for you to obtain credits and lower rates of interest.

Lower rates of interest generally convert into smaller monthly installments. However, internet, televisions, radio and newspapers are bombarded with advertisements for services and companies that offer to erase accurate error details in your credit statement in exchange for a charge. The scammers who post these advertisements not only do not supply but also they can supply.



Only time, a right measure, and a program to settle your payments will fix your credit as it is stated in your credit report. Credit reports are really simple to read currently than in the past, this is due to the pressure from costumer regulators and advocates drive to meaningful alterations in the credit reporting business.