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Having problems qualifying for credit or employment?

Been a victim of identity theft or stolen credit cards?

We are NOT a  credit repair or debt consolidation service! This is a non-litigation attorney-based program to exonerate the negative items appearing on your credit reports which have no legal basis.  The service we provide is performed by a BAR licensed attorney.

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Are you weary of being turned down for credit because of issues from your past that are no longer relevant? Have you been denied employment or a student loan; or refused security clearance because of your credit rating?  If you said "yes" to any of the above, you are among 71% of Americans who have faced similar issues. All of our specialists at Top Credit Service want to help you. With our attorney-based assistance you can correct past mistakes and mishaps and get your life and finances back on track and most importantly, put your worries to rest.

 We invite you to a free, confidential interview with one of our friendly agents. She/He will explain in detail the benefits of the TCS Credit Service and answer your questions.

 Once enrolled, our central office will order your credit reports from the major credit agencies and forward your file to one of our attorneys for review. The attorney will select only the negative items from your credit reports and serve legal demands on your behalf. Top Credit Service will provide attorney services for a period of 36 months with the applicant's cooperation.

You the client, should expect to receive from each of the three credit agencies, your updated credit reports delivered to your mailing address every 30-45 business days showing evidence of our legal demands in the form of a detailed list.

 The fee for this service is $2297.00 for a thirty six month agreement.

  Here are some of the state and federal laws and regulations that we put to work for you, our client:

  • The Fair Credit Reporting Act (FCRA)
  • The Consumer Credit Reporting Reform Act of 1996
  • The Fair and Accurate Credit Transactions Act of 2003
  • The  Statute of Limitation laws per state:
    • Oral Contract
    • Written Contract
    • Promissory Note
    • Open-Ended Accounts

  Areas of Expertise

  • Dunn & Braddstreet
  • Innovis
  • TransUnion
  • Equifax
  • Experian

   Negative Items

  •  Late Payments
  • Charge Offs
  • Collections
  • Repossessions
  • Negative Settlements
  • Medical Collections
  • Student Loans
  • Mortgage Lates  (Ask your local agent for details)
  • Inquiries
  • Stolen Credit Cards

  Public Record Items

  • Bankruptcy
  • Foreclosures
  • Child Support
  • Spousal Support
  • Judgments
  • Tax Liens

  Financial Fraud

    Financial Fraod  is the fastest growing crime in America striking more than 9 million victims in the last year alone. In a matter of seconds, personal information such as a social security number, a credit card number and/or an address can be stolen and used to obtain a new mortgage, line of credit or additional credit cards. Victims may never know that their identities have been stolen until unauthorized transactions appear on credit card statements, collection notices appear in the mail or loan applications have been declined.

    In a short period of time, extensive damage can be done as a result of a stolen identity event. Restoring one’s name and good credit is a time consuming and expensive process. It can take six months to detect identity theft and up to 600 hours to recover from the crime. Victims must endure a number of costly steps to dispute fraudulent debts and accounts opened by an identity thief.

   That is why TCS & Associates has developed an Identity Theft and Fraud Division. TCS has developed a system to provide expert assistance and financial relief should you become a victim of identity theft. 
 

Program available soon…