How Do I Get Started?

Just call the toll-free number at the top of the page to speak with a highly trained credit consultant. Once you are enrolled in the service, a paralegal will customize a dispute strategy with you, and help you challenge the negative items on your credit report.

How Long Does It Take?

We absolutely hope you see results with our first dispute cycle, but every case is different and we can't promise that you will see a specific result in a specific amount of time. Many clients have seen significant results in the first 45-60 days. Most clients will be with GoodLifeCredit for a few months. GoodLifeCredit will work as fast as can. We are more interested in results than we are stringing the process along.

Is Credit Repair Legal?

Yes, when done by a company who complies with the laws associated with Credit Repair. Make sure that you are working actual lawyers, not a company using the name of lawyers. Be aware that not all companies comply with the Credit Repair Organizations Act (CROA). You have rights that allow you to dispute negative information on your credit reports, but you do not have the right to use a false identity or to create a "new" social security number. If a company advises you to do this, they are not performing legal credit repair, and you could ultimately be liable for their actions. Also, be wary of any company that charges you large "up-front" fees, or "per-item" deletion fees.

How Can You Legally Dispute My Negative Information?

The Fair Credit Reporting Act (FCRA) gives you the right to challenge negative information in your credit report based on that information being inaccurate, untimely, misleading or unverifiable. We help you take advantage of your rights to challenge this information by having our Attorneys write letters to the Credit Bureaus for you.

How Do Credit Scores Work?

A credit score is a number assigned to you by applying a formula to your credit file. Your score takes into account the number of accounts you have, the amount of available credit, your payment history and other factors. The lower the score, the more of a "risk" you are considered to be. Lenders use your low score to justify charging you more for credit, or flat out denying you credit.

You are far more than just the score in your credit file. Even though your credit score may have been dramatically impacted by real-life circumstances, the current scoring system doesn't factor them into your score.

What Other Things Affect My Credit Score?

Among the factors affecting your score are:

The Equal Credit Opportunity Act (ECOA), does not allow a lender to use gender, martial status, national origin, race, or religion as factors when determining your creditworthiness.

Can Negative Listings Really Be Removed From My File?

Yes. Some statistics indicate that 79% of all credit reports contain errors. Because of this, the Credit Bureaus have to respond to your challenge. We just rely on your legal right to verify the information in your credit file. If they can't confirm the negative information they are required to delete it. Sometimes they confirm the negative items, but many times they delete them. We have developed some very effective strategies over the years.

Will It Really Work for Me?

Each case is different, so we don't know exactly how things will go in your case. Over the years our Attorneys have helped over 20,000 clients. Typically our clients will see their first responses from the Credit Bureaus in the first 45-60 days. We never know exactly how the results will look. What we can tell you is that we will work as fast as we can and that the law is on your side.

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