Negative payment history is the single biggest factor that can pull your credit score down. This is one of the main reasons why consumers get denied when applying for credit. That is exactly why we focus heavily on removing them, whether the debt is still owed or not. At Xact Law, we use innovative methods to seek the removal of those negative and derogatory items. Our methods have been proven to be much more effective than our competitors. Most credit repair companies claim to send legal interventions on your behalf but are actually sending letters as if they were written by you, the customer. Unfortunately, this doesn’t carry much weight and can prolong the process, causing the customers to pay more money. At Xact Law, our Attorneys send actual legal intervention letters that invoke consumer protection statutes on your behalf, and under the representation of Xact Law. This is what sets us apart from our competitors and allows us to deliver nothing short of spectacular results to our clients.