Our Services
Credit Bureau & Credit Education
Your credit report affects interest rates, loan approvals, rentals, and sometimes employment. We help you understand your reports and work toward better standing with the major credit bureaus through education and, where appropriate, dispute and restoration strategies.
What's on Your Credit Report
Credit reports typically include your identifying information, accounts (credit cards, loans, mortgages), payment history, balances, credit inquiries, and public records such as bankruptcies or tax liens. Lenders, landlords, and others use this information to assess risk. Under federal law you are entitled to a free copy of your report from each of the three major bureaus once every 12 months at annualcreditreport.com.
The Three Major Credit Bureaus
Lenders use reports from these agencies to assess creditworthiness and determine loan terms. Errors or negative marks on any of them can cost you.
Equifax
Founded in 1899, Equifax is the oldest of the three agencies and maintains information on over 400 million credit holders worldwide.
Experian
Experian collects data from thousands of sources to compile credit reports used by lenders, landlords, and employers across the country.
TransUnion
TransUnion provides credit information and risk management solutions, serving consumers and businesses in over 30 countries.
Your Rights Under the Fair Credit Reporting Act (FCRA)
The FCRA gives you the right to dispute inaccurate or incomplete information on your credit report at no charge. You may dispute with each bureau that shows the error—in writing or through their online process—and the bureau generally must investigate within 30 days (or 45 days if you submit additional information). If the information is found to be inaccurate or cannot be verified, it must be corrected or removed.
You also have the right to know what is in your file, to request your free annual reports, and to limit who may access your report. We can help you understand these rights and, where appropriate, support a structured approach to disputing errors and improving your credit profile.
How We Help
Consumers with poor repayment history, court judgments, tax liens, or bankruptcies often face higher interest rates and fewer options. Employers and insurers may also use credit information. National Legal Debt Relief works with you to review your reports from all three bureaus, identify inaccuracies, and develop a plan that may include disputing errors and building positive credit habits over time.
We do not guarantee specific results; credit improvement depends on your situation and creditor responses. Our goal is to give you a clear picture of your credit and a path forward.