How Our Credit Repair Process Works
Three step credit repair process for a number you're not embarrassed by.
No guesswork, no vague promises. Here's exactly what happens, in order, starting day one. Because Legal Consumer Advocate is backed by a licensed law firm, disputes go out on legal letterhead, not a form letter and bureaus and creditors treat the two very differently.
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Credit Improvement
As inaccurate items come off, your utilization and payment history recalculate and the score moves. We re-pull your report on a set schedule and show you exactly what changed and why, no black box.
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Scheduled re-pulls and reporting
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Plain-language change log
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Ongoing monitoring for new errors
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Disputes
Every flagged item gets a formal dispute filed with the bureaus and, where it applies, the original creditor citing the specific FCRA grounds it's being challenged on, and issued under our legal letterhead. We track every response and follow up within the legal reply window.
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Disputes filed by our team
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Deadlines tracked on your behalf
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Re-disputes and escalation on partial removals
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Credit Analysis - Credit Repair Process
We pull your full report from all three bureaus and go through it line by line with you. Not just the obvious late payments, but duplicate or fraudulent accounts, outdated addresses, and re-aged debt that shouldn't still be dragging your scores down.
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3 bureau report pull
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Item-by-item accuracy review
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Written summary of what we found
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