How It Works

How Information Change Situations LLC Works

Information Change Situations LLC is a premier credit restoration and financial education firm dedicated to helping individuals and businesses repair, rebuild, and optimize their credit profiles. Through legally compliant dispute resolution, strategic credit building, and personalized financial coaching, we empower clients to overcome credit challenges and achieve their financial goals—whether that means qualifying for a mortgage, securing better loan terms, or establishing strong personal credit.

INVESTIGATE

You will receive a no-obligation credit report analysis. We analyze all three of your credit reports and scores to identify the inaccurate, outdated, unverifiable items that are reflecting your character in a negative way.

CHALLENGE

Information Change Situation LLC leverages the Fair Credit Reporting Act (FCRA) to challenge all three credit bureaus, creditors and lenders demanding them to update or remove all items that are inaccurate and unfair by law!

STRENGTHEN

Regular tips on credit health, debt management, and financial habits to sustain improvement. A tailored plan targets specific issues based on individual credit history and goals.

How Credit Repair Works

Step 1:

Credit Report Review

Obtain reports from all three bureaus. Scrutinize for errors

(incorrect balances, fraudulent accounts, outdated info).

Step 2:

Dispute Filing

Submit evidence-backed disputes to bureaus/creditors. Bureaus must investigate within 30 days or remove the item.

Step 3:

Negotiation & Validation

Challenge unverifiable debts. Creditors must prove validity; otherwise, items are deleted.

Step 4:

Score Rebuilding

Combine dispute wins with positive credit behaviors (on-time payments, low credit utilization).

Rewrite your Credit Story Now!

Your Credit Story Deserves a Rewrite.

At Information Change Situations LLC, we help you erase negative chapters and build a brighter financial future—legally, ethically, and permanently.

Get Started Now!

Core Features of Information Change Situations LLC Service

➤ Advanced Dispute Technology:

Proprietary software automates dispute generation and tracks bureau responses for efficiency.

➤ 360° Credit Restoration:

Addresses ALL negative items:

✓ Late payments

✓ Collections

✓ Charge-offs

✓ Bankruptcies

✓ Hard inquiries

✓ All Inaccurate Personal Information

➤ Credit Building Tools:

Access to secured credit cards and credit-builder loans to accelerate score recovery.

➤ Dedicated Advisor:

A single point of contact provides monthly progress reviews and adjusts strategies as needed.

➤ Money-Back Guarantee:

Performance-based pricing with partial refunds if promised results aren’t achieved.

➤ Attorney-Advised Strategies:

Legal experts craft disputes using FCRA, FDCPA, and CROA regulations to maximize deletions.

FAQs

How do I start?

Contact us via our website or email us [email protected] and we'll walk you through the steps or you can visit our Sign Up page.

Is credit repair legal?

Absolutely. ICS LLC operates strictly under federal laws like the Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act (FDCPA), and Credit Repair Organizations Act (CROA). We challenge unverified, inaccurate, or unfair items on your reports—a right every consumer has.

Will credit repair hurt my score?

Repairing inaccuracies never directly lowers your score. While rare, if a disputed item is updated (e.g., a "closed" account marked "current"), scores may fluctuate temporarily. Long-term, removing negatives always raises scores.

How long does credit repair take?

Results vary based on credit history complexity, but most clients see significant improvements within 60–90 days. Simple disputes (e.g., incorrect addresses) resolve fastest; complex cases (bankruptcies, collections) may take 3–6 months.

Can you remove accurate negative items?

No ethical company can legally remove accurate, verifiable information. However, we aggressively challenge items that are:

-Inaccurately reported

-Outdated (over 7–10 years old)

-Unable to be verified by creditors/bureaus within 30 days (per FCRA rules)

What if I have bankruptcies, foreclosures, or tax liens?

We specialize in complex cases! While these are harder to remove, we:

-Ensure they’re reported correctly (e.g., dates, amounts)

-Challenge procedural errors

-Pair disputes with credit-building tools (secured cards, credit-builder loans) to accelerate recovery.

Do I need to stop using credit during repair?

No! We encourage positive credit habits:

-Keep making on-time payments

-Maintain low credit utilization (<30%)

-Avoid new hard inquiries (unless necessary)

-Our dashboard and advisor help you balance repair with healthy credit use.

What if the credit bureaus reject my disputes?

We persist! Our process includes:

-Escalating disputes with new evidence

-Demanding procedural reviews under FCRA

-Direct creditor negotiations

-Legal referrals (if applicable)

-Our success rate averages 85%+ for unverifiable items.

How much will my score increase?

As much as we would like to, there is simply no way to know the answer to this question.

There are far too many factors in­volved in the credit scoring model; the biggest variable being the "human factor". We don't know what you are going to do during this process. You might get new lates, max out credit cards, get new credit, get new collections, get a judgment placed against you, or one of hundreds of other things that would change the outcome of your service. As long as you follow the lead of Information Chane Situations LLC, we will make more progress than setbacks.