CREDITedit, LLC

Good Credit for a Change
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Home      Credit Repair Law Firms are Scams!

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 Credit repair law firms may be rip-offs, in our opinion, and the below video explains why.
 
PLEASE BE ADVISED that our professional credit repair service, or the Do-It-Yourself credit repair software we offer, is the one of the top credit repair programs in the country.  Either, can fix your credit in less time than a "law firm" and for far less money!
 
Did you know, the Federal Trade Commission (FTC) under a federal law called the Credit Repair Organizations Act regulates credit repair companies (just as any other business is regulated)?  This law DOES NOT say that credit repair is illegal.  This law just states what credit repair businesses can and cannot do; and under Section 404 (b) PROHIBITED PRACTICES:
 
(b) Payment in Advance.--No credit repair organization may charge or receive any money or other valuable consideration for the performance of any service which the credit repair organization has agreed to perform for any consumer before such service is fully performed.
 
It clearly states:  NO money upfront.  So why do the majority of all other credit repair companies or "law firms" charge a "set-up" or any fee in advance BEFORE they perform any service at all?  According to the U.S. Government, as stated above, THAT IS ILLEGAL.  We've heard those companies claim they have to "set up" a client's account, such as entering your name, address, etc. into their computer.  So?  We do too, but we don't charge upfront.
 
Maybe you've made the mistake of using those companies or "law firms" that put you on MONTHLY SERVICES that took too long with little or no results.  These so called "law firms" probably don't care about your credit at all.  If they did, they would understand the urgency you require to get the job done in a timely fashion.  They may work on your credit report a single item at a time.  That's nice; but what if your mechanic were to change your engine oil one drip at a time?  Are you that patient?  Is that cost-effective?  Of course not!  Another IMPORTANT POINT is that most of these companies or firms have the CLIENT DO MOST OF THE WORK by having them complete there own dispute letters online, then the "law firm" simply mails them for the client!  WHAT?!? 
 
Another IMPORTANT POINT is that a REAL attorney receives years of education and training.  Do you really think a REAL lawyer, or ANY other credit repair company, is only going to charge you $79/month, and you're going to get EFFICIENT, QUALITY service?!?  You could pay their monthly "memberships" for 12 months, 18 months, 24 months or more (some call it "lifetime membership")!  Do they really want to provide you a rapid credit repair process?  If they did, then they lose the monthly income from you.  To them, this would not make any financial sense at all.  They may delay any credit repair as long as possible.
 
FURTHERMORE, about their "100% Money Back Guarantee" or "Refund Policy" -- well you first must be signed up with them for at least 12 months (after it cost you about $1,060.00) before you can even "request" any refund!  Second, there's a complex calculation to "review" your request to see how much, IF ANY, money can be refunded.  Basically, GOOD LUCK trying to get any money back!
 
These "attorneys" or "paralegals" will attempt to string you along by getting only a credit inquiry removed, and call that credit repair (this is a fact we've seen from one of our clients who initially used a "law firm"). You may have even seen websites "recommend" certain law firms; but you should know that those websites are owned & created by those very same law firms!  THEY ACTUALLY RECOMMEND THEMSELVES in an attempt to fool you that you're reading an independent review or a "Top Ten List", when, in fact, you're not!  Those companies or law firms write their own reviews and "testimonials"!
 
CREDITedit, LLC respects your intelligence and truly has your best interest in mind.  We feel those "bad apples" give the credit repair industry a bad name.  That is why WE DO NOT CHARGE ANY MONEY UPFRONT!  We want to earn your business.  Most of our business is by referral, and that is something we value.  We provide real service for you, with appreciation that you will refer others to us.

YOU MUST UNDERSTAND that TRUE, PROFESSIONAL CREDIT REPAIR is a SERVICE; therefore, NO ONE can GUARANTEE any particular outcome or credit report/score improvement.  However, the process can be as simple as point & click with an ultra-easy DIY solution, or a simple phone call to us to professionally handle the processing.

If you use one of these so called "law firms" you will see little if any response from the credit reporting agencies.  After a several long months, you will have realized you have wasted valuable time and money.
 
Don't get taken advantage of by credit repair "law firms" or ridiculous credit repair e-books with no real information.  Most of these places aren't really law firms at all.  They are just a "goup" of affiliated people acting as one.  Most of these "affiliates" are nothing more than glorified sales people!!  They may call themselves "paralegals" or "legal assistants"; but we wouldn't call them "credit repair specialists" or bona fide "lawyers". 
 
 
Our website alone, contains more information than some of those e-books or websites!  Either use a credible and reputable credit repair company (such as CREDITedit, LLC) or use DIY Credit Repair Magic -- either is the most cost-effective solution to your bad credit problem.
 
You'll be amazed!

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CREDITedit LLC, 1712 E. MAIN STREET, #428, MILLVILLE, NJ 08332
Privacy/Disclaimer:  CREDITedit, LLC does not claim to "clean" or "improve" your credit report, credit record, credit history, credit rating and/or credit score.  Our service is for the express purpose of helping you automate the time-comsuming process of obtaining your credit reports, discuss your credit profile, disputing, validating or verifying items on your credit reports, prepare sample documents in order for you to communicate with consumer reporting agencies, creditors, debt collection agencies, contesting items within your credit reports and/or how to re-establish credit.  There is no secret to fixing, repairing and/or restoring bad credit.  Abiding by law, CREDITedit, LLC does not offer, nor guarantee, to improve or modify the credit standing of any consumer. Credit report information that is accurate and not obsolete may not be removed or deleted.
Important: The articles, illustrations, testimonials, and/or examples given in this website are in no way indicative of the actual changes you may experience by using CREDITedit, LLC.  In keeping with the Fair Credit Reporting Act, CREDITedit will only prepare the dispute/challenge letters to contest certain incomplete, inaccurate, unverifiable, outdated, and/or erroneous items in your credit profile. No specific outcome is expressed, implied or promised, and your actual results may vary. Factors contributing to these variations can include new inquiries, opening new tradelines, the addition of new derogatory accounts, and fluctuating balances on existing revolving accounts.  CREDITedit, LLC, as an affiliate, may receive a small commission on products/services it markets, and makes no guarantees/warranties regarding those products/services.
We take your privacy seriously. We do not spam nor will we sell, rent, or distribute your information to any third party unless you explicitly request us to do so. We do not encourage you to dispute known accurate credit items or engage in unethical behavior. The client experiences and information that may appear on this website are not intended to be legal advice; and past performance does not guarantee future results. Every person's case is unique, and individual results will vary; and CREDITedit, LLC does not guarantee any particular results within any given period of time.  The services of CREDITedit, LLC and/or its affiliates may not be available in all states.  CREDITedit, LLC is not a "debt adjuster", "debt consolidation service" and not a "non-profit consumer credit counseling agency".

CREDITedit, LLC VOLUNTARILY PROVIDES YOU WITH THIS DISCLOSURE

IT IS OUR INTENT TO PROVIDE CONSUMERS WITH THE RESOURCES IN ORDER TO HAVE THE CONSUMER REPORTING AGENCIES REPORT THE MOST FAIR, COMPLETE, ACCURATE AND VERIFIABLE CREDIT PROFILE OF A CONSUMER; THEREFORE, CREDITedit, LLC DOES NOT, NOR SHOULD ANYONE, CLAIM OR GUARANTEE TO IMPROVE ANY CREDIT REPORT BY PERMANENTLY REMOVING NEGATIVE INFORMATION, EVEN WHEN IT'S ACCURATE, CURRENT AND VERIFIABLE; CREDITedit, LLC DOES NOT, NOR SHOULD ANYONE, SUGGEST THAT YOU APPLY FOR AN EMPLOYER IDENTIFICATION NUMBER TO USE INSTEAD OF YOUR SOCIAL SECURITY NUMBER SO YOU CAN INVENT A "NEW" CREDIT IDENTITY -- AND THEN, A NEW CREDIT REPORT; THE BENEFITS OF USING CREDITedit, LLC SERVICES ARE AS FOLLOWS: DISCUSS HOW TO UTILIZE CERTAIN CONSUMER PROTECTION LAWS REGARDING YOUR CREDIT PROFILE, REDUCE JUNK MAIL VIA "OPT-OUT", "DO NOT CALL" REGISTRY, DOCUMENT PREPARATION IN ORDER TO DISPUTE/CHALLENGE CERTAIN CREDIT REPORT INFORMATION, AND/OR TO VERIFY OR VALIDATE ACCOUNTS WITH CREDITORS OR COLLECTION AGENCIES; CREDITedit, LLC DOES NOT, NOR SHOULD ANYONE, CLAIM OR GUARANTEE TO IMPROVE ANY CREDIT REPORT OR CREDIT SCORE, OR ANY ABILITY TO OBTAIN CREDIT; THE TOTAL COST OF CREDITedit, LLC SERVICES WILL BE $199 FOR AN INDIVIDUAL OR $299 FOR INDIVIDUAL WITH SPOUSE; YOU, THE CONSUMER, MAY CANCEL ANY AGREEMENT WITH CREDITedit, LLC AT ANY TIME PRIOR TO TWELVE (12) MIDNIGHT ON THE THIRD (3RD) DAY AFTER THE DATE OF THE TRANSACTION. DURING THIS 3-DAY "COOLING OFF" PERIOD, ANY MONEY YOU MAY HAVE PAID CREDITedit, LLC WILL BE RETURNED TO YOU. AFTER THIS NOTICE OF CANCELLATION PERIOD HAS LAPSED, ALL SALES ARE FINAL AND CREDITedit, LLC OFFERS NO REFUNDS. 

THIS NOTICE IS REQUIRED BY LAW.   Read more at FTC.GOV.
You have the right to a free credit report from AnnualCreditReport.com or 877-322-8228, the ONLY authorized source under federal law.
 
 
CREDITedit, LLC is a rapid credit bureau report dispute letter preparation and consulting company for faster, immediate, emergency credit score repair service that may help to fix, repair, restore, delete or remove bad, negative, poor credit.  With a good, higher, boosted or  increased FICO credit score rating, you may qualify to buy a house, car or get a job.