Legal Credit Repair

Did you know your credit issues are legal issues?

5 Things to Impact or Increase Your Credit Score:

1. Payment History (impacts 35% of your credit score)
Payment history accounts for how you have paid your bills in the past, what the balances are on your credit accounts, what type of credit you have & how many late payments have occurred.

2. Balances owed on your account (impacts 30% of your credit score)
Using more than 30% of your available balance lowers your score. For example, if your credit card limit is $1000, the debt on the card shouldn’t be more than $300 in an effort to keep your credit score from being negatively affected.

3. Length of credit history (impacts 15% of your credit score)
The longer you have accounts open the better.

4. New Credit (impacts 10% of your credit score)

5. Mix of Credit (impacts 10% of your credit score)

Mix credit are the types of diverse credit you have. Installment credit v/s revolving credit.

An example of installment credit is a mortgage or student loan. An example of revolving credit is credit cards.

This information can surely make an impact on whether you are pre approved for a loan.

Sign Up for your Free Credit Report & get tips on how to establish & increase your credit score.

Credit Do’s & Don’ts:


  • DO provide requested documentation promptly and in its entirety.
  • DO continue living at your current residence.
  • DO continue making your mortgage or rent payments.
  • DO continue to use your credit as normal.
  • DO keep working at your current employer.
  • DO keep your same insurance company.
  • DO stay current on all existing accounts.


  • DON’T change your employment or marital status.
  • DON’T make any major purchases (car, furniture, jewelry, etc.).
  • DON’T change bank accounts.
  • DON’T make any large cash deposits into your bank accounts.
  • DON’T transfer any balances from one account to another.
  • DON’T close any credit card accounts.
  • DON’T consolidate your debt onto one or two credit cards.
  • DON’T apply for new credit or open a new credit card.
  • DON’T max out or overcharge on your credit card accounts.
  • DON’T take out a new loan or co-sign on a loan.
  • DON’T pay off any loans or credit cards, charge offs, or collections without discussing it with us first.
  • DON’T finance any elective medical procedure.
  • DON’T join a new fitness club.
  • DON’T open a new cellular phone account.
  • DON’T start any home improvement projects.
  • DON’T have your credit pulled or dispute any information on your credit report during the loan process.

The process of improving your credit score takes time and effort, but it can be done.