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About Us

Unified Credit Services leverages your consumer rights and our experience to engage the credit bureaus and your individual creditors. We work on your behalf to remove questionable negative items from your credit reports, ultimately improving your credit score. We pride ourselves in our commitment to not only providing quick and efficient service, but also to maintaining our reputation for honest and direct approach to our customers' needs.

Many consumers are under the impression there is nothing that can be done to alter the information on their credit reports. Thankfully, this is not true. Federal law gives you the right to assure that the information on your credit reports is 100% correct. You are ultimately responsible for assuring that your credit reports accurately represent your behavior as a consumer.

The Fair Credit Reporting Act (FCRA) gives you the right to contact credit bureaus directly and dispute items on your credit reports. You can dispute any and all items that you feel classify as inaccurate, untimely, misleading or unverifiable (questionable items). If the bureaus cannot verify that the information on their reports is indeed correct, then those items must be removed.

A disputed credit listing must be accurate, timely and verifiable for it to remain on the credit report. Very often, though, disputed credit items cannot be verified: the creditor either no longer possesses the information or does not wish to go to the trouble of verifying it. Also, the investigation must be completed within 30 days. The credit bureaus do not always meet this deadline, so the listing must be removed. For these reasons, properly disputed questionable credit listings have been removed with remarkable frequency.

Disputing items on your credit report should be easy, but many consumers give up before they ever see results. Most don't take time to learn the relevant consumer protection statutes or formulate a statute-based plan of attack, and their quest for credit justice ends in frustration. That's where we come in.

Our experts have the knowledge and experience needed to help you effectively address your problematic credit history. From bankruptcies to charge-offs to tax liens, we can challenge virtually every credit problem and improve your credit report.

Our practice has become a trusted leader in credit report repair because we believe in our work and we're committed to our clients' success. That, coupled with our exceptional knowledge and experience in the credit repair industry, has allowed us to achieve amazing results that have literally turned our clients' lives around.

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“I want to thank you for a job well done. I just received my new credit score and it went up over 100 points. I was really in tears of joy when I saw this... I refinanced my car loan and my house mortage to much lower interest rates... THANK YOU!”