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

When items are removed, you will receive a detailed invoice with a description of each item removed and its associated removal fee. Once a balance accrues with LC Credit Repair, you will be billed a maximum of $100 each month until the balance is satisfied. You may elect to pay your balance in full at any time for a 20% discount. Nonpayment will result in immediate discontinuation of credit repair services until you have met your monthly payment requirement.

NO CONTRACT. You can cancel at any time.