Heritage Group Consultants LLC is a trusted leader in credit repair for a reason. As an experienced consumer advocacy company, we help our clients repair their credit to get their financial reputation back on track. Our ultimate goal is to leverage the law to protect each client’s consumer rights.

Legal and ethical credit repair practices

As a credit repair company, we provide ethical and diligent representation to our clients while adhering to the highest levels of professional standards in the credit repair industry. Here are a few standards you can expect:

• We only charge for services that have been completed. All charges, including charges that occur early in the credit repair process, are for services that have already been completed.
• We don’t make false promises. We are honest and straightforward about our capabilities and will not misrepresent what we can do for you.
• We will inform you that you have the right to repair your credit yourself. In any area of law, a person has the right to represent themselves. Often, people choose to hire a law firm for their experience. Credit repair is no different in that everyone has the right to dispute inaccuracies directly with the furnishers and reporting agencies for free, and by themselves. What our law firm provides is the expertise to skillfully advocate on your behalf.
• We understand credit reporting laws. Our law firm has been doing this a long time. We understand how to tap into the power of federal consumer protection laws as we utilize our tested strategies to provide credit repair representation.

Credit repair regulation

Not all credit repair organizations are created equal and some of the other guys try to cut corners. Heritage Group Consultants LLC abides by the Credit Repair Organizations Act (CROA).

This Act, prohibits untrue or misleading behavior and requires certain affirmative disclosures when offering credit repair services. The Act bars advance payment, requires that credit repair contracts be in writing, and gives consumers certain contract cancellation rights. Stay away from any company that does not live up to these standards.

Other important laws that govern the consumer credit industry include the Fair Credit Reporting Act (FCRA), the Fair Credit Billing Act (FCBA) and the Fair Debt Collection Practices Act (FDCPA). We use our knowledge of these laws to help our clients throughout the credit repair process.