123Credit.US was started by a law-trained former bank attorney and a graduate of the University at Buffalo Law School in 2008. The company strives to remove all negative items and stop all creditors from collecting any money clients owe under the Fair Debt Collection Practices Act (FDCPA). 123Credit.US appears to closely follow the Fair Credit Reporting Act regarding the removal of negative items.
123Credit.US offers a free consultation which involves a private assessment of each client's credit situation. The company appears to offer more personalized credit repair solutions instead of having standard credit repair plans for clients to choose from.
The company has a legal foundation as it was founded by a former bank attorney and law school graduate. The 123Credit.US website adds an emphasis on the company's legal focus. Many other credit repair companies either lack legal focus and/or attorneys on staff, which gives 123Credit.US a more reliable reputation.
Unlike several other credit repair companies, 123Credit.US does not require any upfront fees for its credit repair services. The company also only charges a $20 fee per deletion of each negative item, only after the item has been successfully deleted from the client's credit report.
123Credit.US lacks significant information on its website including specific credit repair process details, guarantees/refunds, contracts, staff information, the number of credit bureaus the company works with, and much more. Potential clients must contact the company directly (via phone call or online contact form) in order to receive any additional company and credit repair information.
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