How do I get started?

Step 1: If you don’t already have one, get your free annual credit reports here. Credit reports will be available immediately. Print and save your reports in .pdf format or hard copy. *It is in your best interest to obtain all three, but we will be happy to work on whatever reports you send us for the same price so your credit repair is not delayed.

Step 2: Upload the .pdf copy of the credit reports you wish to challenge.

If you were unable to save a credit report in .pdf format from the www.annualcreditreport.com website, try printing a hard copy, scanning the hard copy and then uploading that hard copy to our website.

If you were able to save and upload a .pdf copy of your credit report, but were unable to upload it to the www.lifelonglegal.com website, you can also try sending it to us in one of the following ways:

  • Email: creditreports@lifelonglegal.com
  • Fax: 954.351.7475
  • Mail: 200 South Andrews Avenue, Suite 100, Fort Lauderdale, Florida 33301
(Expect an additional 3-5 business days for any faxed reports and 7-14 additional days for mailed reports)

Step 3: Fill out this online form with your credit or debit card information for the one- time fee of $295 which will be authorized, but will not be charged until we have finished our service.

That’s it. You will generally receive the results in the mail, with a free, revised copy of the challenged credit reports within 30-45 days. Often you will receive the results sooner.

Is LifeLong Legal Center affiliated with or owned by the owners of www.annualcreditreport.com?

No. LIFELONG LEGAL CENTER is an independently owned, private law firm.

Can you help with business credit?

Yes. LIFELONG LEGAL CENTER can help businesses improve credit. However, the process is much different due to the fact that the consumer credit laws we apply to help our individual clients only apply to consumers, and not business credit. Generally, we can help businesses through traditional legal practice and defense of litigation and through credit consultation regarding good credit and financial practices and strategies. Any business owner, officer or manager can schedule a business credit consultation by filling out this form.

What do I do if I am a victim of identity theft?

Often some of the negative results of identity theft can be removed from your credit reports and prevented through LIFELONG LEGAL CENTER’s services of launching disputes of items you believe do not belong to you. You can get started here. You also might want to contact us to schedule a consultation with one of our attorneys. If you would like such a consultation, be sure to mention “identity theft” in your message.

What if I have a question?

LIFELONG LEGAL CENTER is able to provide you with the pricing it does because it encourages its clients and customers to use its online forms and communicate electronically. You can submit any questions immediately here.

How long will it take?

Our services are generally complete within seven (7) days of your completion and submission of the LIFELONG LEGAL CENTER online form with all required information and report(s). Then you will simply wait for the results of our credit repair services to be received in the mail from the credit bureaus together with free copies of your revised credit reports that were challenged within 30-45 days. Often you will receive the results sooner.

Is Lifelong Legal Center affiliated with, or owned by any bank or credit card company?

No. Unlike many of our competitors, LIFELONG LEGAL CENTER is an independently owned, private law firm.

What if I have been sued?

Contact our owner’s litigation law firm of Santucci Priore, P.L. to schedule a consultation with an attorney immediately.

What if I want to start a new business?

Contact our owner’s business law firm of Santucci Priore, P.L. to schedule a consultation with an attorney immediately.

What if I my home is in foreclosure?

Contact our owner’s litigation firm of Santucci Priore, P.L. to schedule a consultation with an attorney immediately.

What if I need to file a lawsuit?

Contact our owner’s litigation firm of Santucci Priore, P.L. to schedule a consultation with an attorney immediately.

Is Lifelong Legal Center affiliated with or owned by Equifax, Experian or Trans Union?

No. LIFELONG LEGAL CENTER is an independently owned, private law firm.

Where are Lifelong lawyers licensed to practice?

The lawyers of LIFELONG LEGAL CENTER are licensed to practice law by the Florida Bar Association and are located in and practice law only in the State of Florida. The consumer credit laws that LIFELONG LEGAL CENTER generally utilizes to serve you apply all over the United States. (Although a law firm, LIFELONG LEGAL CENTER and its attorney and non-attorney staff, provide ancillary services to its clients such as credit repair, credit consultation and other services related to consumer credit, such as those described on this website, which may not necessarily constitute the practice of law.)

Who has access to my credit and financial information?

LIFELONG LEGAL CENTER is a law firm. We understand the concept of confidentiality and privacy in a way that most credit repair companies do not. Even if we are providing ancillary services to you which may not necessarily constitute the practice of law, such as credit repair, we still follow the same principles of confidentiality which would apply to the attorney-client privilege which applies to our clients who request legal services. Your personal, financial and credit information that you share with LIFELONG LEGAL CENTER will be kept in strict confidence, is not sold to anyone, and will only be accessed by LIFELONG LEGAL CENTER attorneys and staff and its affiliates, and only on a need-to-know basis. We will keep all information you disclose to us for 90 days in order to provide you with the LIFELONG FREE FOLLOW UP if you request and then will be permanently destroyed.

What is the best way to order my credit reports if I don’t already have them?

Get your free annual credit reports here: www.annualcreditreport.com Credit reports will be available immediately. Save a .pdf version of your credit report and return to www.lifelonglegal.com.

What if I am asked to pay for my credit report?

Federal law entitles you to one free credit report from each of the three major credit bureaus per year. If you request a free report and the bureau requires you to pay for it, then you probably already received a free report this year. If you don’t already have your credit reports, we recommend obtaining your free annual credit reports here: www.annualcreditreport.com

How long does it take?

Our services are generally complete within seven (7) days of your completion and submission of the LIFELONG LEGAL CENTER online form with all required information and report(s). Then you will simply wait for the results of our credit repair services to be received in the mail from the credit bureaus together with free copies of your revised credit reports that were challenged within 30-45 days. Often you will receive the results sooner.

When will my credit card or debit card be charged?

After we complete the services for which you are contracting with us. You are contracting with us to launch an investigation into inaccurate, outdated, incomplete or other false or misleading items contained on one or more of your credit reports. Our services are complete when that first investigation is launched. The Lifelong Free Follow Up is not part of our services, but it is our gift to you after the fact.

Are the results guaranteed?

Of course, law firms and credit repair organizations cannot ethically or legally, and simply should not, in our opinion, offer any guaranteed results. LIFELONG LEGAL CENTER is no different. We will however, refund your entire fee if at least one of the items you ask us to challenge is not deleted, removed, corrected or updated from at least one of your credit reports. Because our privacy and confidentiality policy requires us to destroy your personal, financial and credit information within 90 days, it makes it difficult if not impossible for us to process and evaluate requests for refunds with the passage of time. You therefore must apply for any LIFELONG MONEY BACK PROMISE refund within 75 days of your completion and submission of the LIFELONG LEGAL CENTER online form. Refunds can take up to 60 days to evaluate and pay following receipt of the completed Apply For Refund online form. Refunds will be paid in the form of debit or credit card credit or by check. Apply for a refund here.

How much? Why so inexpensive?

Unlike many other credit repair organizations, LIFELONG LEGAL CENTER is a law firm. It is able to provide you with its services for a one-time charge of only $295 because through years of experience and innovative technical advances, LIFELONG LEGAL CENTER has streamlined the process so that the information required, and only the information required, is gathered and processed quickly and efficiently. We also encourage our clients and customers to use the LIFELONG LEGAL CENTER online forms and communicate electronically for efficiency and better customer service without the need of scheduling and traveling to face-to-face appointments. We have been following the changes in the laws and changes made by the three credit bureaus for years and do our best to stay ahead of the curve, for you.

Are your charges recurring? Do you charge my debit or credit card monthly?

Absolutely NOT! Our fee is a one-time charge, with no exceptions and no strings attached. No monthly charges; No recurring charges. That is our promise to you.

What if I don’t have a credit card or debit card? Can I pay by check?

Yes, but we will not deposit your check until our services are complete (not inclusive of any LIFELONG FREE FOLLOW UP requested). Furthermore, expect an additional 7-14 days to process your service request and perform our service for any payments by check.

What is your physical address?

Museum Plaza
200 South Andrews Avenue
Suite 100
Fort Lauderdale, Florida 33301

What is the Lifelong Free Follow Up?

Our services are generally complete within seven (7) days of your submission of the LIFELONG LEGAL CENTER online form with all required information. Then you will simply wait for the results of our credit repair services to be received in the mail from the credit bureaus together with free copies of your revised credit reports that were challenged. After you receive the results, even though LIFELONG LEGAL CENTER’s services are complete, we will provide you with a free follow-up challenge, at your request by clicking here and following the prompts. Just like the first challenge, you will receive the results of your LIFELONG FREE FOLLOW UP challenge in the mail, directly from the credit bureaus, together with further revised copies of your credit reports which were subject to the LIFELONG FREE FOLLOW UP.

What if I would like to consider bankruptcy?

Contact our owner’s bankruptcy law firm of Santucci Priore, P.L. to schedule a consultation with an attorney immediately.

Still can’t find what you’re looking for? Fill out the form below and we’ll get back to you soon.

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Upload your credit report in PDF format

Acceptable file types: doc,docx,pdf,txt,gif,jpg,jpeg,png.
Maximum file size: 1mb.

Common reasons for disputing items appearing on consumer credit reports are:
  • This is not my account.
  • I am a victim of identity theft.
  • I have never paid this item late.
  • This account is closed.
  • I have paid this account in full.
  • This item is duplicative of another item on the same credit report.
  • This item refers to the same debt as another item on the same credit report.
  • This account was closed at my request, not at the request of the credit grantor.
  • I paid this item before it went into collections.
  • Previous or current payment status is incorrect.
  • I reached a full and final settlement of this account.
  • This item is more than seven (7) years old
  • This item was discharged in bankruptcy

Fill out as many fields regarding Alleged Creditors and Account Numbers as you would like to dispute. At least one Creditor is required.







Consumer Credit File Rights Under State and Federal Law

You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any ‘credit repair’ company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years.

You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud.

You have a right to sue a credit repair organization that violates the Credit Repair Organization Act. This law prohibits deceptive practices by credit repair organizations.You have the right to cancel your contract with any credit repair organization for any reason within 3 business days from the date you signed it.

Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur.

You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau.

If the credit bureau’s reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau, to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information with any report it issues about you.

The Federal Trade Commission regulates credit bureaus and credit repair organizations.

For more information contact:
The Public Reference Branch
Federal Trade Commission
Washington, D.C. 20580

Terms and Conditions

These Terms and Conditions constitute a valid and binding contract between you (alternatively “you” and the “Client”) and Lifelong Legal Center (the “Firm”). The purpose of these Terms and Conditions is to set forth our understanding of the services to be performed for you by the Firm and the basis on which the Firm will be paid for its services.

Accordingly, this will confirm your authorization and our agreement to represent and advise you in connection with disputing inaccurate, incomplete and/or outdated information, or information regarding an alleged debt which does not belong to you, which is contained on your Equifax, Experian and/or Trans Union credit bureau reports by commencing an investigation of items which you have represented to the Firm as being inaccurate, incomplete and/or outdated, or not belonging to you with one or more of the credit reporting agencies identified above (the “Matter”). If you request the Firm to provide additional services, other than those described herein comprising the Matter, you will be required to enter into a separate agreement with the Firm for such additional services, and an additional fee will be required to be paid at the time the Firm completes such additional services, which will be mutually agreed upon in advance.

The Firm is a law firm consisting of one or more attorneys who are licensed to practice law in the State of Florida. The Firm also provides services which are ancillary to the practice of law, such as credit repair services. Regardless of whether the Matter requires the practice of law or ancillary services, the Firm shall adhere to the ethical and legal requirements governing attorneys relative to confidential and attorney-client information when handling and storing this information which you submit to the Firm through its website or otherwise. Your personal, financial and credit information that you share with the Firm will be kept in strict confidence and will only be accessed by the Firm, its attorneys and staff, and only on a need-to-know basis. The Firm will keep all information you disclose to the Firm for ninety (90) days to use to provide you with the LIFELONG FREE FOLLOW UP, if you request, and then will be permanently and confidentially destroyed. Your information will not, at any time, be disclosed or distributed to third parties except to the Equifax, Experian and/or Trans Union credit bureau, as necessary to complete the Matter, unless you consent otherwise.

You hereby agree to pay the Firm a one-time flat fee of Two Hundred Ninety Five Dollar ($295) for completion of the Matter (the “Fee”). The Firm requires that a valid credit card or debit card be provided by the Client which will be pre-authorized for the total amount of the Fee, as a precondition to agreeing to represent you or provide any services to you. The Firm shall charge your credit or debit card, or deposit any check or money order you submitted only after the Firm completes the Matter. You will not be charged, and no amount will be due and owing, prior to the completion of the Matter. You are hereby contracting with the Firm to complete the Matter only. The Matter shall be complete when that first investigation is launched. The LIFELONG FREE FOLLOW UP is not part of the Matter, but it is the Firm’s offer of a gift to you after the Matter is complete, upon receipt of a timely request for a LIFELONG FREE FOLLOW UP. Notwithstanding, you do hereby authorize the Firm to obtain an authorization of your credit card or debit card provided to determine whether sufficient funds or credit exists to pay the total Fee.

The Firm’s services are generally complete within seven (7) days of your completion and submission of the LIFELONG LEGAL CENTER online form with all required information. Expect an additional 7-14 days to process your service request and perform our service for any payments by check. Then you will simply wait for the results of our credit repair services to be received in the mail from the credit bureaus together with free copies of your revised credit reports that were challenged. The LIFELONG FREE FOLLOW UP is not automatically provided. You must make a timely request for a LIFELONG FREE FOLLOW UP by clicking the following link: www.lifelonglegal.com/freefollowup and following the prompts. Just like the first challenge, you will receive the results of your LIFELONG FREE FOLLOW UP challenge in the mail, directly from the credit bureaus, together with further revised copies of your credit reports which were subject to the LIFELONG FREE FOLLOW UP.

The Firm is not, and will not guarantee any results. The Firm is not affiliated with Equifax, Experian, TransUnion, the owners of the website www.annualcreditreport.com or any other credit reporting agency. The Firm cannot, will not and does not, in any way, warrant or guaranty the timely performance, or any performance of Equifax, Experian, TransUnion, the owners of the website www.annualcreditreport.com or any other third party, or the accuracy of the information reported or provided to you by Equifax, Experian, TransUnion, the owners of the website www.annualcreditreport.com or any other third party. The Firm will however, refund your entire fee if at least one of the items you ask the Firm to challenge is not deleted, removed, corrected or updated from at least one of your credit reports. To obtain a refund you must apply for the LIFELONG MONEY BACK PROMISE refund, described on the Firm’s website, within seventy-five (75) days of your completion and submission of the LIFELONG LEGAL CENTER online form. Refunds can take up to sixty (60) days to evaluate and pay following receipt of the completed only form for a refund. Refunds will be paid in the form of debit or credit card credit or by check. Apply for a refund here: www.lifelonglegalcenter.com/ApplyforRefund.

Nothing contained on this website (www.lifelonglegal.com) shall constitute or act as an adequate substitute for legal advice. If you require legal advice, please contact the Firm and request a consultation with an attorney for which the Firm might request payment in addition to the Fee.

These Terms and Conditions shall not be construed against the drafter. These Terms and Conditions and all other agreements and transactions between the parties shall be governed by Florida law. Venue for all actions concerning the Matter, these Terms and Conditions, or any other aspect of the relationship between the Firm and the Client shall be Broward County, Florida. For any controversy or claim arising out of or relating to these Terms and Conditions, the relationship between Firm and Client, any other agreements, understandings, dealings, transactions, representations or warranties between Firm and Client and any related third parties, the parties hereto, and any related third parties, shall consult and negotiate with each other and, recognizing their mutual interests, attempt to reach a solution satisfactory to both parties. If they do not reach settlement within a period of 60 days, then the parties agree to endeavor to settle the dispute by mediation administered by the American Arbitration Association under its Commercial Mediation Procedures. If, within 90 days after service of a written demand for mediation, the mediation does not result in settlement of the dispute, then any unresolved controversy or claim arising from, or relating to these Terms and Conditions, the relationship between Firm and Client, any other agreements, understandings, dealings, transactions, representations or warranties between Firm and Client and any related third parties shall be settled by arbitration administered by the American Arbitration Association in accordance with its Commercial Arbitration Rules, and Judgment on the award rendered by the arbitrator may be entered in any court having jurisdiction thereof. The place of arbitration, mediation, or any other proceedings shall be in Broward County, Florida.

In the event that arbitration is necessary, one (1) arbitrator shall be chosen by mutual agreement of the parties, from a panel of persons having experience and knowledge in arbitration and mediation. If the parties fail to agree upon an arbitrator within 60 days, then the American Arbitration Association shall appoint a neutral arbitrator. The same process of selecting an arbitrator shall apply when selecting one (1) mediator. If all parties to the dispute agree, the mediator involved in the parties’ mediation may be asked to serve as the arbitrator.

Pre-hearing information exchange shall be limited to the reasonable production of relevant, non-privileged documents explicitly referred to by a party for the purpose of supporting relevant facts presented in its case. Any dispute regarding discovery, or the relevance or scope thereof, shall be determined by the arbitrator, which determination shall be conclusive. All discovery shall be completed within 90 days following the appointment of the arbitrator.

The arbitrator will have no authority to award injunctive relief, punitive, consequential, special, incidental, exemplary, indirect or other damages, and all such remedies are hereby waived.

Except as may be required by law, neither a party nor an arbitrator or mediator may disclose the existence, content, information or documents obtained, submitted or exchanged through the course of the arbitration, or results of any arbitration hereunder to any third parties except the attorneys’ for the parties hereto, and witnesses who actually testify at any arbitration hereunder, without the prior written consent of all parties to the mediation or arbitration, as applicable.

The Firm has made no representations to the Client and the Client has not relied on any representations which are not contained in these Terms and Conditions. All notices to the Firm shall be addressed, in writing, to: Lifelong Legal Center, 200 South Andrews Avenue, Suite 100, Fort Lauderdale, Florida 33301. All notices to Client shall be deemed valid if addressed to the address provided by the Client to the Firm on its website forms at www.lifelonglegal.com.

After your review of the foregoing, if you have any questions, or if any of these Terms and Conditions are not clear and acceptable to you in all respects, please contact us. If you find these arrangements satisfactory, please sign these Terms and Conditions below, by clicking on the option to accept these Terms and Conditions.

Upon the Firm’s receipt of signed and/or accepted Terms and Conditions, these Terms and Conditions constitute the entire agreement between you and the Firm with respect to the Matter and any other issues set forth herein and will supersede all prior discussions, correspondence, oral and written agreements, commitments or understandings. These Terms and Conditions shall not be amended, altered or modified, except by written agreement signed by the party against whom enforcement is sought.

Each party to any mediation hereunder shall bear its/his/her own attorney’s fees and costs. The fees charged by any mediator or arbitrator shall be split, pro-rated, according to the number of parties to each such proceeding.


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