Credit Repair and Financial Restoration
From charged-off accounts to identity theft recovery, our legal experts are here to dispute errors, remove negative marks, and help rebuild your financial future.
Our Approach to Credit Repair
We utilize a strategic process to dispute inaccuracies, negotiate settlements, and improve your credit standing.
Credit Report Audit
We conduct thorough audits to identify discrepancies and submit disputes to credit bureaus for correction.
Late Payment Removal
We verify and dispute inaccurate late payments that may be negatively impacting your credit score.
Debt Settlement Assistance
We negotiate with creditors to help settle debts for less than the owed amount and ensure accurate credit reporting.
Public Record Dispute
We work on removing bankruptcies from your credit report.
Why Choose Our Credit Repair Services?
Our experts specialize in improving credit scores through targeted disputes and tailored financial strategies. With years of experience, we've helped thousands of clients overcome negative marks on their credit reports. We take a personalized approach, identifying inaccuracies and negotiating with creditors to deliver real, lasting improvements. Whether you're dealing with late payments, collections, or identity theft, our comprehensive services are designed to restore your financial reputation. Check out these impressive results achieved by clients who trusted us to guide their credit repair journey.
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Clients saw a credit score increase within 6 months
Negative items successfully removed
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Average score increase
What Our Clients Say
Rated 4.2 stars on Yelp and 4.7 stars on Google by our satisfied clients.
Where do I begin? Their professionalism and accuracy is exceptional! If it wasn't for Hamlet and his team life would be really sad right now. They work so fast [...] It is the best and the most life changing team. Thank you!
Tracy O
These people are truly life savers, they helped me get rid of a collections account and tremendously helped my credit. Mr.Hamlet was very professional, diligent, and responsive. He answered all my questions promptly and helped me through the entire process of fixing my credit. Amazing value for your money. 10/10!
Omar B
Great talented professionals for sure Mr. Hamlet took over my credit file at 480 score, today after 5 months of none stop working on it went up all the way to 715!
Omar R
The entire team at United Legal Services has delivered top notch service. Everything that was promised to me during my initial appointment was delivered in a timely manner. [...] THANK YOU UNITED LEGAL!!
Azad M
Let me start by saying this is the most legit credit repair place around. [...] I love their professionalism and how precise they are with anything they work on. Hamlet is a genius and knows the in and out about credit. I went to him with score of 550. He cleaned out all my credit and now I have a 757 score.
Fred C
For over 15 years I had a bad credit. Thanks to united legal service that changed my life. It took less than 3 months all my credit errors late payments collections everything got deleted my credit score went more than 140 points up. [...] Thank you very much for helping me.
Arsen A
Take Control of Your Credit Today
Our expert team helps clients remove negative marks and improve credit health. On average, our clients see a 250-point increase in their scores.
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Get Us Your Basic Credit Information
Start your journey by providing us with your basic credit details. Our experts will analyze your credit history and current standing.
Diagnose Your Credit Issues
We’ll identify negative items and inaccuracies affecting your score, then create a personalized strategy to resolve them.
Watch Your Score Increase
As we help rebuild your credit profile, you’ll start seeing long-term improvements in your financial health.
What Impacts Your Credit Score?
Your credit score is influenced by multiple factors. Understanding these can help you take control of your financial health.
- Payment History – Late or missed payments can lower your score.
- Credit Utilization – Using too much of your available credit can negatively affect your score.
- Length of Credit History – Older accounts help boost your score.
- New Credit Inquiries – Too many hard inquiries can lower your score.
FAQs
How does credit repair work?
Credit repair involves reviewing your credit report for errors, disputing inaccuracies with credit bureaus, and taking steps to improve your credit score, such as paying down debt and maintaining good financial habits.
How long does it take to see results from credit repair?
The time frame varies depending on your credit situation. Some clients see improvements in as little as 30 days, while others may take 3-6 months or longer, depending on the number of disputes and financial improvements needed.
Will credit repair improve my credit score?
Yes, credit repair can improve your credit score by removing incorrect negative items and helping you establish better credit habits. However, your score improvement depends on your unique financial history.
Do credit repair companies guarantee results?
No reputable credit repair company can guarantee specific results. However, our guarantee lies in the fact that you will pay nothing unless we remove the specified items from your report.
How much does credit repair cost?
Pricing varies depending on the services provided. We get paid nothing unless you see results, and the cost depends on the number of negative information we will be removing from your report.
What types of negative items can be removed from my credit report?
Credit repair can help remove items such as late payments, charge-offs, bankruptcies, collections, repossessions, foreclosures, and hard inquiries.
What factors affect my credit score?
Your credit score is based on:
- Payment history (35%) – Paying bills on time
- Credit utilization (30%) – How much of your credit limit you’re using
- Length of credit history (15%) – How long your accounts have been open
- New credit inquiries (10%) – How often you apply for new credit
- Credit mix (10%) – Types of credit accounts you have (loans, credit cards, etc.)
Take control of your financial future