Legal Credit Restoration

About This Service

For most business owners, personal credit is the linchpin of business funding — banks and SBA lenders almost always underwrite against the owner's personal FICO score alongside the business. Our Legal Credit Restoration service identifies errors, outdated information, and unverified accounts on your credit report and pursues their correction through formal dispute processes under the Fair Credit Reporting Act (FCRA). Once your report reflects an accurate picture, we help you build a stronger credit profile so you can qualify for better rates and higher funding limits.

Who is this for?

• Business owners whose personal credit is holding back loan or line-of-credit approval.
• Owners who suspect their credit report contains errors, outdated items, or unverifiable accounts.
• Anyone preparing to apply for SBA loans, business credit cards, or lines of credit.

Key Benefits

• Professional review of your credit reports across all three bureaus.
• Formal, FCRA-based disputes of inaccurate, outdated, or unverifiable items.
• Guidance on rebuilding a credit profile that supports higher funding limits.
• Direct coordination with our Business Funding team once your credit is restored.
• Clear, honest updates throughout the process — no guaranteed-results gimmicks.

Our Process

1. 1

   Credit Report Review

   We pull and review your reports from all three bureaus to identify errors, outdated items, and unverifiable accounts.

2. 2

   Strategic Dispute Filing

   We file formal disputes under the FCRA, challenging items that don't meet reporting standards.

3. 3

   Follow-Up & Verification

   We track bureau responses and escalate unresolved disputes until your report is accurate.

4. 4

   Credit-Building Roadmap

   We provide a plan to build a stronger profile so you qualify for better funding terms going forward.

Why Choose PAC?