Yes, credit repair software is 100% legal and it works BECAUSE of the law. The Fair Credit Reporting Act gives you the right to dispute any item on your report. Whether you use a credit attorney or you do it yourself with software, all credit repair is based upon this law.

Yes, you can dispute Bankruptcies, Late Payments, Judgments and absolutely anything else that appears on your credit report. We try to beat the odds for good results firmly on your side by creating letters that place burden of proof on the credit bureaus that report the items. While we cannot guarantee that a bankruptcy or judgement can be erased from your report, we DO guarantee that most credit reports will be improved even after a bankruptcy, late payment or judgement. 79% of all credit reports contain errors, especially after a bankruptcy. Items that should have been wiped to zero in a bankruptcy will often continue to show a balance. Simply disputing and removing inaccuracies will often boost your score instantly. This credit repair software creates all the letters with a click of your mouse. It’s like having your very own credit attorney to fight for your rights.