How It Works

Learn everything you need to know about legal debt repair here. Find out what it is and what steps are involved in the process.

Legal Debt Repair: A Step-by-Step Guide

After you sign up for legal debt repair, here is what will happen:

1. You forward your credit reports to us. To begin legal debt repair, you will first send us your credit reports from all three credit bureaus. If you do not already have your free credit reports, we can help you get them.
2. You select the items you want to dispute. Once we receive your credit reports, we will enter the information into an online database. You will then access this database, using our online disputation manager to select the items you would like to dispute. Our software is very user-friendly-all you have to do is point and click.
3. We initiate the dispute process. This is where the dispute portion of the legal debt repair process begins. We will dispute in writing the items you have selected on your credit report. Once the credit bureaus receive notification of a dispute, they have 30 days to investigate. If they cannot verify the information within this time, they must remove the item in question and send you a copy of your updated credit report.
4. You see results.. Most of our legal debt repair customers begin to see results within 30-90 days of signing up. As each dispute cycle concludes, you will receive updated credit reports from the credit bureaus that you will pass along to us. In this way, we can monitor our progress. Depending on the number of items you have chosen to dispute, this process will be repeated and the dispute cycle will reset.