Top 8 Reasons Why Our Credit Repair Service Works

#1. We Follow the Law
The Fair Credit Reporting Act (FCRA) gives you the right to dispute inaccuracies on your credit report, and requires the Credit Bureaus to correct them or remove them within 30 days. We help you identify the inaccuracies and make sure you get the first round of dispute letters out the door.

#2. We Avoid their “Frivolous” Filters
Other companies and software companies can help you create “dispute” letters. What many of them do not know - or do not tell you - is that the Credit Bureaus do NOT have to respond to any “disputes” that they feel are “frivolous” or from a “third party.” This means that if you put 10 - 20 disputes in the same letter or have the letter signed and mailed on your behalf, the Credit Bureau dispute checker can simply dump your dispute in the trash.

The dispute checkers typically have a quota of about 4 minutes per letter — not enough time to investigate 20 line items in the same letter so a letter with multiple disputes is much more likely to get disregarded on that basis alone. We create one letter per trade line per credit bureau specifically for that reason.

If the dispute checker believes the letter is from a “third party” - like a credit repair organization - then he or she can also disregard the dispute. This is why we have you sign your letters in BLUE INK and mail them from a post office near your home address.

Imagine if you are a fact checker who has to review hundreds of letters each day — Experian gets 10,000 disputes per day - and you see hundreds of letters come in from the exact same address. You’d know it was a “dispute factory” and happily throw out all those disputes to make your day a little easier, and make your bosses happy since they get paid by the number of negative tradelines on consumers’ reports.

#3. We Challenge the Credit Bureaus’ Process
Our insider consultants who have worked for the Credit Bureaus, collection agencies, and who have reviewed the sworn testimony of Credit Bureau managers have stated that the Credit Bureaus DO NOT VERIFY the accuracy of your disputed items — Even though they say they do! That’s illegal.

So after the Credit Bureaus respond to your first round of letters saying they’ve “verified” the accounts, your second round of letters will “demand documentation” and “verifiable proof” including a written contract between you and the creditor. Most creditors can’t provide this because they don’t keep these records and so the Credit Bureaus can be proved to be lying about their process. This is a violation of the FCRA and grounds to sue them in court later.

#4. Our 75 Day Process is as Fast as Possible
One of the main problems people face in repairing their credit scores, is just getting it done! You can see that anyone who follows the law can typically get items removed in 75 days. You send dispute letter; they have 30 days to respond. You send 2nd letter challenging their process; they have 30 days to respond. You send FINAL Letter demanding removal of the item because they did not “verify” or “prove” the accuracy of the item, and they have ONLY 15 days to respond - that’s 75 total.

Many other companies stretch the process out though, and the question is, “Why?” Usually it is because they charge you a “low” membership fee of something like $79 per month. It’s in their interest to make the process take longer. Often you will be locked into a 1 year contract, and your credit repair job will end up costing more. This slow process is a REALLY BAD IDEA if you are about to buy a home, trying to get a better mortgage, or are likely to get more negative items on your report if you wait a whole year.

#5. Our Process is Transparent
We keep you motivated by giving you an online account where you can see how many items have been removed. The consultant that is helping you can easily monitor your process and make sure your lender or Realtor knows when you’ve made enough progress to get the loan or home you need.

#6. Less Expensive
We are usually less expensive than 90% of other credit repair companies. Many will charge $1,400 - $2,500 for the same work we do. Others require start up fees of $99 and a yearly contracts for $79 per month which will add up to over $1,000 over the year.

Credit Justice Services simply charges a flat fee of $50 per trade line disputed, and allows you to make 3 equal payments over 90 days. So if you had 10 negative line items that were reported to all 3 Credit Bureaus the total charge would be $500 in three payments of $133. That’s it. The same work at a “monthly fee” company would still be $1,000. Our fair, simple pricing attracts customers who wants results quickly and helps maintain our high success rate.

#7. Our Great Reputation
Credit Justice Services is a member of the Better Business Bureau with ZERO complaints. Unlike many companies (see the FRAUD link at left), there are ZERO complaints about our company on-line in consumer forums and blogs.

#8. Our Trade Secrets
There are a few things we can’t share on this website because we do not want our competitors to copy our processes. But, be assured…our founder used to own one of the largest Collection Agencies in Florida, before he quit chasing consumers to HELP them, and so we know exactly what goes on at the Credit Bureaus — can’t stand how they’ve already probably hurt your family’s finances….and are looking forward to helping you.