Frequently Asked Questions about Credit Repair


How much is your consultation?
Our initial consultation is free of charge.

What is a credit report?
A credit report is a track record of both your personal and financial credit information. It includes information taken from public records, personal identification, and debt information.

How many credit bureaus are there?
There are 3 major credit bureaus: Equifax, Transunion and Experian.

Are all 3 credit bureaus important?
Yes. Each one of the three major credit bureaus will reflect at least one-third of your total credit history. The results from the 3 bureaus can be different. LSI will repair your credit at all 3 bureaus.

How long does it take to repair my credit?
Each case is different. Most clients can experience results in 45-90 days. However, some cases can take much longer but LSI is committed to work for you and offer a lifetime warranty.

Is it legal to dispute your credit report?
Disputing your credit report is your right according to the Fair Credit Reporting Act. Credit Repair is a legal and necessary service.

Are you licensed and bonded?
Yes, we are licensed and bonded.

Can erroneous late payment be removed?
Yes, our methods of disputing have proven to remove any type of late payment whether it is 30, 60, 90, or 120 days late.

Can erroneous collections be removed?
Yes, and if they are verified we can help settle and save you up to 70% from the total balance owed.

Can repossessions be removed?
Yes, our proven methods of dispute can remove repossessions. Repossessions are difficult to remove, so the percentage of removals would not be as high as a simple late payment for example.

Can foreclosures be removed?
Yes, foreclosures can be removed if the bank is not be able to provide verification.

Can government student loans be removed?
No, however it’s possible for late payments on government student loans to be removed.

Can inquiries be removed?
Yes, a creditor must provide documentation showing you applied for credit with their company, if they do not provide proper verification then the inquiry is removed.

How much does your service cost?
Our prices vary from client to client because every case is unique. We customize our service for each customer. Contact us for a FREE consultation.

What is the difference between Fico and Vantage Scores?
Vantage only requires one month of credit history with an account reported to a credit reporting agency within the past two years.  Fico requires six-months minimum of credit history and at least one account reported to the credit reporting agency in the past six-months.. Read More