Top Credit Service

Thank you for taking the time to learn more about our firm. TCS has represented both individual and corporate clients around the United States with issues to safeguard their rights as consumers.

The attorney's have designed a legal system to remove the negative information on your credit report that is affecting your life today. This system was designed to obtain the maximum results in the shortest time. To put it simply, your attorney does all the work. There are no forms to fill out or web-sites you have to visit. No letters you have to sign and mail out. No fraudulent dispute forms to fill out.


We do NOT use credit repair tactics such as dispute letters. Knowingly disputing a collection that is accurate is fraud. Doing this by mail is punishable by imprisonment and fines under federal statute. These will do more damage then good and create a more difficult situation for the client.
WE DO NOT RECOMMEND THESE PRACTICES!!!!

Areas of Expertise


Negative Items
Late Payments
Charge Offs
Collections
Repossessions
Foreclosures
Negative Settlements
Medical Collections
Student Loans
Mortgage Lates *(Ask your local agent for details)

Public Record Items

Bankruptcy
Foreclosures
Child Support
Spousal Support
Judgments
Tax Liens
Identity Theft and Stolen Credit Cards



Here are some of the State and Federal laws that we put to work for our clients:

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:


Best Regards,

Jon McCurley
Credit Officer
Top Credit Service


562.421.7577 Office
562.421.7565 Fax
27281 Las Rambles #200
Mission Viejo CA, 92691