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© 2021 LC Credit Repair
At LC Credit Repair, our approach involves utilizing personalized letters to challenge the reportability of all inaccurate, erroneous, unverifiable, and duplicate items that are negatively impacting your credit. Every 35 days, we diligently send these customized letters on your behalf to the three major credit bureaus, relevant third-party agencies, and even your creditors if necessary. Unlike many other credit repair companies that typically address only 2-5 items at a time, our program is highly comprehensive.
We understand the importance of addressing all the negative items on your credit report. That's why each round of our letters will focus on every single negative item. Even after an item has been removed, we continue to dispute it for an additional round. This comprehensive approach ensures that we leave no stone unturned in our efforts to improve your credit. However, it's important to note that the removal of an item does not absolve you of your legal responsibility for the debt. Rather, it signifies that the item will no longer be reported on your credit report and will not impact future lending decisions.
To ensure long-term credit improvement, we strongly advise allowing us to assist you with debt settlements after items have been successfully removed. This proactive measure will help prevent any reinsertion of the items onto your credit report in the future, providing you with a more secure financial foundation.
IMPORTANT: This is a realistic program. We do not guarantee the removal of any specific item nor do we guarantee perfect credit, as it is against the law and not realistic given everyone's unique situation. However, we are committed to doing everything in our power to ensure that your credit reports are 100% accurate, and we will work diligently to clean them up and put you on the right track.
For your protection and peace of mind, we offer a 4-month money back guarantee. If you are enrolled in the Credit Boost Plan and we are unable to remove any negative items during the 4-month period, you will receive a refund of all fees paid to LC Credit Repair. Please note under the Credit Boost plan that this refund does not include credit monitoring fees.
NO CONTRACT. You can cancel at any time.
Our first work fee is separate from your pay per delete billing. It is typically charged within 7 days of enrolling in our program, but never charged before actual work is completed. The First Work Fee includes gathering your personal and credit information, processing your documents, initiating the build out of your custom item challenge workflow, and creating your first round of communications that will be sent to the credit bureaus
We believe in transparency and ensuring that you have a seamless experience throughout your journey to better credit. Please note that payment of invoices needs to be completed manually through our secure client portal. Once you have completed the onboarding process, we will issue an invoice for the start-up fee, which covers the initial round of letters carefully crafted on your behalf, you will receive an invoice notification via email. We understand the importance of flexibility, allowing you to choose a preferred date for when invoice is due. In the event of a missed monthly payment, we kindly ask that you make the payment before we can continue with our dedicated dispute service. Our goal is to foster a mutually beneficial relationship grounded in financial responsibility, and we appreciate your understanding in this matter.
We are dedicated to your satisfaction and progress, offering a range of plans tailored to meet your credit repair needs. For your convenience, we offer flexible payment options, including split payments scheduled two weeks apart from your preferred billing date. It's important to keep in mind that a $10 processing fee will be added to each split payment to cover administrative costs. Our client portal provides a user-friendly interface where you can conveniently manage your payments, review your billing history, and track the progress of your credit repair.