Credit Location is a Credit Repair Organization (CRO) that uses laws such as the Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA) to leverage consumer rights to remove erroneous, inaccurate, outdated, incomplete and unverifiable information from consumer reports. In addition to repairing credit profiles, Credit Location prides themselves on educating consumers about credit and their rights as a consumer.

We specialize in credit restoration by leveraging federal laws such as the Fair Credit Reporting Act (FCRA), the Fair Debt Collection Practices Act (FDCPA), and the Fair Credit Billing Act (FCBA). Our focus is on disputing inaccurate, outdated, and unverifiable items on your credit report to help improve your credit profile.

Credit Location abides by the Credit Repair Organizations Act (CROA). The Consumer Financial Protection Bureau (CFPB) closely monitors credit repair organizations to ensure they are not violating the CROA.

Due to the Telemarketing Sales Rule (TSR), we are prohibited from offering phone consultations before a client signs up for services. However, once you sign up, we will schedule a call to review your credit reports and create a tailored plan for your credit restoration process.

As a credit repair organization, we are required to follow the Credit Repair Organizations Act (CROA), which ensures that we operate transparently and ethically.

(a) Lie or advise a consumer to lie about their credit profile (b) Alter a consumer’s identity (i.e. Establish a Credit Privacy Number) (c) Misrepresent services provided to a consumer (d) Request payment for services before they have been rendered (e) Request that a consumer sign any form waiving their rights.

(a) Provide a disclosure called ‘Consumer Credit Files Rights Under State and Federal Law’ informing consumers of their right to obtain a credit report and dispute information on their own (b) A consumer has the right to sue a credit repair organization that is found violating the CROA.

Provide the consumer with a contract.

(a) Payment amount (b) Description of the services that will be provided (c) An estimation of the time it will take to complete services (d) A notice of a consumer’s right to cancel. (The consumer has 3 days to cancel the contract.)

The organization can be sued for actual damages, punitive damages, and attorney’s fees. The consumer can report violations to the Consumer Financial Protection Bureau, attorney general (Alabama – Steve Marshall) and file a suit in their state. Consumers have up to 5 years to take action against the organization.

Absolutely! There is complete transparency. During the free consultation, the client and Credit Location will collectively devise a plan of action. Once the lead becomes an active client, a Google Drive folder is automatically created through our automation system. The audit along will all correspondence that is sent to bureaus/creditors/collection agencies will be placed in their folder for review. They will also have 24/7 access to their client portal which provides a live update of all activity.

The duration of the program varies depending on the complexity of your credit profile and the number of disputed items. Many clients see progress within 30 to 90 days, but full credit restoration can take several months as we work through the dispute process with the credit bureaus.

Once you sign up, we will review your credit reports from Equifax, Experian, and TransUnion. We then identify and dispute any inaccurate, outdated, or unverifiable information. The credit bureaus are required to investigate within 30 days. Any unverifiable information will be removed, and we’ll guide you through next steps for improving your credit.

No, we do not negotiate debts. Our focus is on ensuring your credit report is accurate, using federal laws to remove any inaccurate, outdated, or unverifiable items. We do not make payment arrangements or settlements with creditors.

Once you sign up, you will have access to a secure online portal where you can monitor the status of your disputes, track any changes to your credit reports, and see updates on your credit score.

Section 609 of the FCRA addresses what must be disclosed to a consumer upon request (such as request copies of a credit report and information that appears on a credit report).

Section 611 of the FCRA memorializes a consumer’s right to dispute information that they deem to be incorrect or unverifiable. Ultimately, if disputed information cannot be verified or confirmed, then it must be removed. Statistics show that over 79% of credit reports have errors, enabling Credit Location to remove derogatory items that are negatively affecting consumer credit scores/reports.

Under section 623 of the FCRA, they have a duty to provide a notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may furnish any information to any CRA without notice that such information is disputed by the consumer.

(a) How a debt collector can find you (b) How debt collectors can communicate with you (c) Consumer protection from harassment or abuse (d) Consumer protection from false or misleading information (e) Protection from unfair practices (f) Notices required from a debt collector, just to name a few.

We cannot guarantee specific outcomes, as credit restoration is influenced by many factors. However, we follow proven methods that often lead to an improvement in your credit score by addressing inaccurate, outdated, or unverifiable items.

If you have additional questions, feel free to reach out to us via email or our contact form. While we cannot offer phone consultations before you sign up, we are happy to assist you through written communication to provide all the information you need.