Welcome to the Frontpage

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.

Our attorney will apply rigorous energy, experience, dedication and resourcefulness to every case we accept. You, our clients, are our most valued assets and we make it our mission to serve you and provide the help you require with a sense of urgency. We understand that each person may require a different level of service and price. We have selected three levels of service for you to choose from.

   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

  • Dun & Bradstreet
  • 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
   

Our attorney will apply rigorous energy, experience, dedication and resourcefulness to every case we accept. You, our clients, are our most valued assets and we make it our mission to serve you and provide the help you require with a sense of urgency. We understand that each person may require a different level of service and price. We have selected three levels of service for you to choose from.

 1)    One Year Program $997.00 Twelve months of non-litigation attorney service to remove the negative items that appear on ones credit report that have no legal basis.     

2)    Two Year Program $1497.00 Twenty-four  months of  non-litigation attorney service to remove the negative items that appear on ones credit report that have no legal basis.   

3)    Three Year Program $1997.00 Thirty-six months of non-litigation attorney service to remove the negative items that appear on ones credit report that have no legal basis.   

 (Important please read)
Once you have chosen your desired level of service, you must remain in that program till agreement has expired. If you wish to continue in our credit program a new contract of service must be agreed upon.