The ALARMING Stats

About 1 in 5 Americans (~20 %) have an error on at least one of their credit reports. This comes from Federal Trade Commission (FTC) research.
Since there are over 200 million people in the U.S. with credit reports, that 20 % equates to roughly 40 million consumers with at least one inaccurate entry.
Some studies find higher rates (around ~34 %) of consumers spotting mistakes when they actively check their reports.
Consumer advocacy research surveys have found that up to ~44 % of people who reviewed their credit report found at least one error (though not all errors are serious).

In 2023, the average credit score in the U.S. was 715.

16% of Americans have a poor credit score.
54% of Black Americans have no credit or score below 640.
28 million U.S. adults are credit invisible.
As of 2023, only 1.7% of Americans had a perfect credit score.

We Know the Laws, So We Challenge It All!

All deragotory, inaccurate, and incomplete accounts are challenged:

Late Payments

Collections

Charge-offs

Repos

Child Support

Duplicate Accounts

All Other Derogatory, Inaccurate, or Incomplete Accounts

Bankruptcies

Student Loans

Identity Theft

Outdated
Personal
Information

At LEVELS 2 CREDIT LLC, We Know Our Consumer Rights!

The Fair Credit Reporting Act (FCRA) requires that information on a credit report be:

Accurate: All information must be correct and up to date.
Complete: It should provide a complete picture of the consumer's credit history.
Relevancy: Only information relevant to the consumer's creditworthiness should be included.
Verified: Information that is disputed must be verified by the credit reporting agencies or the data furnisher.
Timely: Information must be reported within the allowed time frames, especially for negative items (e.g., 7 years for most items, 10 years for bankruptcies).
Clear: It should be easy for the consumer to understand.

These requirements are designed to protect consumers from inaccurate or unfair credit reporting practices.

The Fair Debt Collection Practices Act (FDCPA) means:

Prohibits Harassment: Debt collectors cannot use abusive, threatening, or unfair tactics to collect debts.
Limits Contact: Debt collectors cannot contact you at inconvenient times (e.g., early mornings, late nights) or places (e.g., at work).
Requires Disclosure: Collectors must identify themselves and inform you of your right to dispute the debt.
No False Claims: Collectors cannot lie or mislead you about the debt, such as falsely claiming you owe more than you do.
Right to Dispute: You have the right to dispute a debt and request verification of the amount owed.
No Contact After Dispute: Once you dispute a debt, collectors must stop contacting you until they provide verification.

These rules are designed to protect consumers from abusive debt collection practices.

WE KNOW THE STATISTICS AND WE KNOW THE LAWS, SO WE CHALLENGE IT ALL!

Stay On Top of Your Credit with MyScoreIQ

To ensure the best results for your credit restoration journey, we require that all clients use a reliable credit monitoring service. This allows us to track your progress, dispute inaccuracies in real-time, and stay informed about any changes to your credit report.

We've partnered with MyScoreIQ to offer you an easy, affordable way to get started.

With MyScoreIQ, you can:

Access your FICO credit scores and reports from all 3 bureaus
Receive alerts for changes in your credit
Track your credit restoration progress as we work together

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Note: Before we can begin your credit restoration service, you must sign up for one of our approved credit monitoring sites.

Why Is Credit So Important?