We have successfully helped remove or improve questionable items on credit reports including:

* Late payments
* Charge offs
* Foreclosures
* Judgments
* Repossessions
* Identity theft
* Closed accounts
* Bankruptcies
* Negative settlements
* Liens
* Collections

Understanding Credit Scores

Your credit score is probably one of the most important determination of credit worthiness you have.


Things to remenber

  1. Do not apply for new credit until your reports are in good standing.
  2. Be advised that once we begin disputing negative items on your credit report you may receive a higher influx of calls from previous creditors. Our advice, DO NOT RESPOND!
  3. It is important for you to make payments that are being reported monthly ON TIME!
  4. Avoid new lines of negative credit from appearing on your report for this may result in additional fees.

Laws of Credit is a full service credit repair company that works hard at resolving problems so you don't have to. We believe that your credit is your lifeline to your future and it should be handled with personal care.

We can handle all types of credit issues. Our highly trained staff is qualified to guide you through the most difficult credit issues. Unlike many "quick fix" scams, our credit repair services are thorough, ethical, moral and done the right way so that you won't have to worry about future problems.

Complete and thorough is what we guarantee when you use our services.



Credit is more important than ever in today's market! Not only does one need good credit to get a loan, but anything less than excellent credit, will cost thousands of dollars over the course of any loan for the borrower!








Factors of our success:

  • We aggressively dispute all negative items on your credit report that you identify as being inaccurate, misleading or unverifiable.
  • Each dispute is custom drafted. A legal professional will hand-prepare each dispute. We do not use form letters.
  • We work through each of your credit reports to resolve all negative items to your satisfaction.
  • We operate within the legal framework of the FCRA and pursue your right under Federal Law to dispute information on your credit reports to the fullest extent possible.
  • We eat, sleep and think credit, constantly monitoring laws and adjusting our arsenal for maximum benefit.

A Few Tricks of Credit Improvement and Credit Restoration

Most everybody wants to know the tricks of the credit industry and there are a few. But most of the time these same people don't understand the very basics of credit restoration. For example:
Most customers want to dispute everything on their credit report. However, disputing everything might actually make your fico score fall! YES! Actually make it fall. If that account had a lengthy heritage of on time payments and is older a judgement must be made as to if the credit score will fall. This is where a good analyst can help you determine the weight of each of the accounts on the report! This part alone is very important.

Another basic trick if you will is to learn to read the report and to make sure that all the open credit levels are correct., mistating an open credit level can cause your score to be much much lower than it should be. By correcting open credit levels alone we have been able to raise scores by as much as 100 points.

To finish this section we would like to say that if you do not have a background in credit then make sure to learn before you do it yourself. Most Do it Yourself Type Credit Guides will tell that it is as easy as writing a form letter dispute. However we can tell you that over 95% of our customers that have written dispute letters did not get a positive repsonse!!! Make sure to learn or let an experienced company do it for you!


What is the Best Way to Raise your Credit Score?

While there certainly are no shortcuts in raising your credit score, you can do it over time by continually making a habit out of ten important and credit-savvy tips that can be found in this article. Coupled with a lifestyle of saving instead of spending aimlessly and an awareness of mature financial responsibility, anyone can have stellar credit scores that will be surely knocking the socks off lenders.

If you want to improve your score, avoid any delinquencies that may come with delayed payments. In connection with this, keep your credit card balance at a minimum. Try to target no higher than thirty percent of your credit allowance, because maxing out your credit card will certainly pull down whatever good score you make for yourself. Be credit-savvy enough to scrutinize your credit report and if in the event that you find any inaccurate information or discrepancy, make it a point to report it at once so it gets cleared up. Next, if debt is certainly in your present state, attend to it immediately , do not delay it nor spread your debt over multiple cards. It may seem like a good way to buy you some time so you can catch up on your payments, but in the long run it will not improve your credit score because such actions will be transparent in your credit report.

Of course, do not let this scare you in locking up your credit card, you may use them but manage them in a responsible manner. If you have installment loans that are paid on time, you will have your score raised compared to someone with no credit card. The sixth tip is to not open multiple accounts too fast especially if you are new in the credit history game. This may pose some risk as you may take on possible debt. In the same manner, opening new credit card accounts you do not really need may actually lower your score.

Remember in this line, age is maturity and maturity is respected. So with your best and longest-standing credit card, keep it alive , because such is factored in your credit score report. Shop for a loan but do so within a short period of time for it to count for you and not against you. And finally, see a legitimate credit counselor should you experience any financial difficulties and will need some professional help to sort things out.


The Real Myths and Truths about what we call"Credit Repair"

We all know that the consequence of a negative credit rating is typically a reduction in the likelihood that a lender will approve an application for credit under favorable terms, if at all.

Interest rates on loans are significantly affected by credit history; the higher the credit rating, the lower the interest, while the lower the credit rating, the higher the interest.

Having a good credit rating has always been and always will be the determining factor in qualifying for certain purchases without having to pay higher rates or points.

In today's market credit restoration is more valuable than ever!  Not just to those who don't qualify, but to those who do qualify but at higher rates.