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Your Credit Score is a Powerful Number
Will you get that...
Home Mortgage... New Car... Apartment... Job Offer...
Low-Interest Credit Card... Low Car Insurance Rate...
With so much riding on one little number, shouldn't you do everything you can to improve it?
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Restore Your Credit
What is Credit Repair?
Credit repair is the systematic process of rehabilitating an individual's financial credit reputation, or "creditworthiness." Initial steps include obtaining copies of the individual's credit reports; reviewing each credit report for errors, omissions, and misleading information; and requesting corrections to such information by means of a formal dispute. Many laws, regulations, and practices, both state and federal, govern this process. While individuals can sometimes effectively repair their own credit to some extent, many organizations are available to assist individuals through this sometimes complex process. In fact Credit Lab offers our experience to help repair your credit now. To find out more visit our How it Works or Getting Started pages.

While the nuts and bolts of credit repair aren't difficult, efficient credit repair takes a systematic approach to detailed paperwork that includes accuracy, careful tracking and follow-up.

Should Consumers Try Credit Repair On Their Own?
Disputing the credit report is easy. Getting results from the credit bureaus is amazingly difficult, complex, and infuriating. It is not a coincidence that the Federal Trade Commission receives more complaints against credit bureaus than any other type of business. Remember, the credit bureaus are primarily interested in protecting their profits. Investigating your challenge consumes these profits. Short of sparking a mass number of lawsuits, the credit bureaus seem to do everything in their power to discourage consumers from making progress in their restoration efforts.

Restoring your own credit is like repairing your own transmission or representing yourself in court; it is possible, but you must decide if you are willing to take the time and assume the risks of doing it yourself.

Do Negative Items Remain Listed for at Least 7 Years?
When you speak with credit grantors, collection agencies, or credit bureaus, their typically under-educated staff may present you with all manner of pseudo-legal nonsense. The law demands that negative listings appear on your credit report for NO LONGER than seven years. The credit grantor or the credit bureau can choose to delete the negative credit listing WHENEVER THEY SEE FIT.

Does Paying Off Past-Due Accounts Neutralize Their Negative Status?
NO! Paid, once-delinquent, debts still show up as severe negatives. It's important to note that credit reports don't just show your current credit situation, but they also show what your credit situation has been in the past. Therefore, past delinquency, collection activity or charge off does a great deal of damage to the credit score even if it was paid off. This is one of the great ironies of the credit reporting system. Paying your past-due debts does little to immediately increase your credit score.

Does Bankruptcy Wipe The Slate Clean For A Second Chance?
Many bankruptcy attorneys do not adequately understand or explain the effects of bankruptcy to their clients. Stated simply, bankruptcy is to the credit rating what the nuclear bomb is to war. When you file for bankruptcy, every credit account that you decide to include in bankruptcy will become an "included in bankruptcy" account. Additionally, a bankruptcy filing and bankruptcy discharge listing will appear in the court records section of your credit report. Because so many negative items are attached to the bankruptcy, it becomes very difficult to remove all trace of the bad credit. If at all possible, you should avoid bankruptcy.

Are Items Such As Bankruptcies And Foreclosures Impossible To Remove?
There is not one type of negative listing that cannot be removed from a credit report. While negative items such as bankruptcy or unpaid debts are certainly more difficult to remove from the credit report, this has more to do with the operational systems of the credit bureaus than with the severity of the bad credit item. For example, judgments and tax liens are severely negative listings yet are considerably easier to remove.

What Legal Credit Repair Services Do You Provide?
Credit Lab offers the expertise and experience you need to improve your credit score and eliminate damaging items from your credit report. Our one time setup fee and flat monthly rate include all of the following services:

Unlimited Disputes - Some companies charge per dispute per bureau, which means you get charged three times for each and every dispute. We provide unlimited disputes at no additional charge.

Unlimited deletions - Some companies charge per deletion per bureau, which means you get charged three times for each and every deletion. We provide unlimited deletions at no additional charge.

WE DISPUTE INQUIRIES! Most credit repair companies don't dispute credit inquiries - but inquiries can also negatively affect your credit. We dispute inquiries to your benefit.

In addition, Credit Lab offers:
Unlimited Support - Unlike other credit repair companies, we offer toll-free phone support
(1-866-634-2485) and email support at no cost to you.
Full Refund Policy (Terms and Conditions Apply) We ask that you remain in our program for 90 days. If there are no improvements or corrections made in the first 90 days, we will refund all monthly payments made. The set up fee is non-refundable.

No Hidden Fees - One low monthly charge covers our credit repair services. Cancel Any Time - As a Credit Lab client, you are not bound by any long-term contractual obligation whatsoever. You are free to cancel the service at any time without penalty.

CLICK HERE To Get Started Today!

Address: PO Box 1206, Lancaster, PA 17608-1206
Toll Free: 1(866) 634-2485 - Phone: (717) 509-8899 - Fax: (717) 509-6998

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