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The Law

What the law says and how we can use it to remove negative items from your credit report

Section 609 of the Fair Credit Reporting Act

If any of the three major credit bureaus are not able to provide documentation with your signature on it as verifiable proof, they cannot legally report that information. For these reasons, we educate our clients in disputing the credit bureaus’ legal right to report our private financial information because they can’t provide verifiable proof. If the credit bureaus do not delete or change an item they are reporting on your credit report and they cannot produce a document with your signature on it as verifiable proof, they are in violation of federal law and subject themselves to a statutory fine for each unverifiable item they report. If the credit bureau cannot provide documentation with your signature on it, they cannot legally report that information.

Our clients petition the credit bureaus to comply with the FCRA, requiring them produce verifiable proof to support how they can legally report your private financial information. This means the credit bureaus MUST have a copy of an original document with your signature on it.

There are NO negative items which cannot legally be deleted from a credit report if the credit bureaus cannot, or will not, provide verifiable proof that the item reported is your account.

True Credit Restoration is permanent and once the information is deleted or changed, it cannot be re-reported without penalty.

The three credit bureaus know they do not have the supporting documentation as verifiable proof



Excellent Credit Score, L.L.C. provides an educational program to educate clients on how the credit system works and how to maximize their credit scores by adding positive information to their credit profiles.

When compared side by side, The Excellent Credit Scores credit disputing service is much more economical and effective than ANY other credit repair system. We have a proven disputing system which has an astounding successful deletion rate. We provide an educational program to educate our clients on how the credit system works and how to maximize their credit scores. Additionally, this program comes with a 12 month credit dispute assistance service.

We fully support our clients for one year at NO ADDITIONAL COST.

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