Good financial planning is the beginning of ensuring financial stability in your everyday life and it also allows you to have financial independence so that credit never becomes an issue. Credit repair can be intimidating and time consuming. We are credit repair and debt solution experts and, for years, we have helped countless people get their life back. They now enjoy the financial freedom that is the American Dream.

We know the different strategies used to get the credit agencies to respond to our demands. We handle this by forcing these companies to comply with the Fair Credit Protection Act that was set in place to protect people from these kinds of unfair practices committed by creditors, collection agencies, and the 3 major credit bureaus. These companies will lie to you to get you off the phone only because they don't benefit financially from putting out the extra effort to correct the situation.

We work in ways that make the credit bureaus, collection agencies, and creditors comply with the Fair Credit Reporting Act! This is not something you can get from other credit repair agencies, credit counseling agencies, a credit repair kit, or credit repair software where you do it yourself.

Counseling cannot repair the damage done by your past history. We are offering legal credit repair done by the book! You can provide us a recent copy of your credit report from each of the major credit reporting agencies (Equifax, Experian, and Transunion), or we can get them for you (they are sent directly to you and you forward them to us).

Once we've received your credit reports, we look at the process the creditor used to report the derogatory item(s) to the bureau. We have found that 99.9% of all creditors fail to comply with the hundreds of laws under the FAIR CREDIT REPORTING ACT, thus violating your rights. We will analyze your credit history to identify items that are responsible for bringing your credit score down. We will then draft letters to dispute these inaccurate negative items on your behalf. We actually send a variety of letters each month to each of the 3 major credit reporting agencies (Equifax, Experian, and Transunion) and creditors until the inaccurate negative items are gone. Although we encourage consumers to dispute their own credit if they have the time and knowledge to do so, it is important to note that, according to federal law, the credit bureaus can ignore your dispute under a variety of conditions. In our experience, a large part of dispute letters sent directly from consumers are rejected for one reason or another. The highly effective letters that we write have been proven over and over to WORK in correcting negative items on your credit files! These letters were written with the accumulated knowledge of years of experience in getting results and they are designed to make the credit laws work for you! When the credit bureaus get these letters they are forced to TAKE ACTION or face serious consequences. When facing TCCR, LLC, they stop dragging their feet and show you the respect you deserve!

The time it takes to remove anything from your credit varies from case to case. Tax judgments, liens, and bankruptcies are reported no differently and can be removed in the same way as late payments and unpaid bills, including medical bills and even student loans. It takes a minimum of one month, and can take up to six months or more, depending on how much inaccurately reported credit you have. Our customers have the advantage of being able to talk to us at all times. The best part is that we work as a team.

The main difference between TCCR, LLC, and the other guys are "WE HANDLE YOUR ACCOUNT PERSONALLY AND YOU CAN TALK TO US 5 DAYS A WEEK." Try that with the larger firms.

Even after you are satisfied with the work we have done, we continue to offer credit repair advice and help you with new strategies for your future financial well-being.

We handle only a limited number of clients at a time to ensure we are able to devote our full attention to every case. The results will be rewarding to you financially and save you thousands of dollars in interest from credit cards or other loans. Our credit repair services don't end until you are 100% satisfied that we have restored your credit status to its utmost potential, or you can cancel at any time.

Anything on a credit file can be legally corrected:

How long does information stay in your credit file?

The Fair Credit Reporting Act details how long information can stay on your record. Normally, the FCRA is in accordance with the following:

• Chapter 7 Bankruptcy: 10 years from date of filing.
• Chapter 13 Bankruptcy: 7 years from date paid in full and 10 years if not paid as agreed.
• Judgments: 7 years from date filed.
• Foreclosure: 7 years from date foreclosed.
• Collection Accounts: 7 years from the date of delinquency with the original creditor.
• Paid Tax Liens: 7 years from date paid.
• Unpaid Tax Liens: Indefinitely from date reported.
• Trade lines (line of credit or loan): 10 years from the date paid in full or closed.
• Charge-Offs: 7 years from date of original delinquency.
• Closed Accounts: 10 years from date closed if paid as agreed.
• Payment Patterns: Credit grantors typically do not consider payment history older
• than 2 years, but can remain on for as long as 7 years.
• Credit Inquiries: 2 years (placed by you or a creditor)
• Adverse Information: May remain up to 7 years from date of delinquency