About Us

February - 9 - 2009

WHEN DID LCA START IN BUSINESS?

LCA’s Credit Restoration System was developed in late 2006.

HOW MUCH EXPERIENCE DOES LCA HAVE IN HANDLING CREDIT RESTORATION?

LegalCreditAssist.com’s staff has over 40 years combined experience in the financial and credit industries and has facilitated the removal of negative items and/or correction of over 700,000 negative entries from tens of thousands of its clients’ credit reports since inception.

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DO YOU GUARANTEE YOUR SERVICES?

If you come upon a credit repair company that claims they can guaranty a specific credit score, TURN THE OTHER WAY AND RUN because it’s probably a scam of some sort.  Fair Issac Company intentionally made it’s credit scoring algorithms complex and because of this it is virtually impossible to guarantee the results of what ANY third party will do.  This would be no different than a doctor guaranteeing the outcome of an operation or an attorney guaranteeing the outcome of a trial.  We use our proven methods of credit restoration to yield you the best results humanly possible.  LCA backs its service with our “No Risk – $5,000 Guarantee.”

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Service Costs

February - 9 - 2009

HOW MUCH DOES YOUR SERVICE COST?

Our credit repair system is so powerful and affordable that we’ve had many attorneys as clients!  We charge a modest account set-up fee which includes the cost of setting-up your files, ordering your credit reports from all 3 major credit bureaus and auditing your credit files to determine the best strategy for your situation.  Then we have a low flat rate that is billed each month after we’ve completed our dispute work on your behalf.  To have an attorney do the same work could cost a couple of thousand dollars.


The highest cost to you is not doing anything and keeping a poor credit rating! A poor credit rating will cost you in higher interest payments (every month and year).  The average interest rate you’re paying could be double or triple the best market rates if your credit scores are too low (typically below 660).  This is costing you hundreds to thousands of dollars more per year, each and every year that you do nothing.  LCA’s goal is to improve your credit rating by removing the negative information that are damaging your credit score.  We also provide education and support that will allow you to maintain your good credit rating going forward.  The cost of doing this is minimal – $69 per month per person or $129 per month for couples plus a nominal file audit setup fee of $149 for one person and $199 for a couple.


We now offer full Debt Settlement Services where we can help you consolidate and settle all of your unsecured debts for as low as 40 to 50 cents on the dollar with low affordable monthly payments!.   If you chose to have us help you with settling outstanding collection accounts with our Debt Settlement Program, there is an additional set-up fee of $199 for an individual or $299 for a couple once your total monthly budget is determined.


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Annual Credit Report.com is the only authorized FREE internet source per the FTC (supported by Transunion, Experien and Equifax, however Free Credit Report.com has great commercials.
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