Welcome to Vista-DeVine Law

A civil/criminal trial lawyer for two decades in federal and state courts throughout the South and former Vice-President of Intequity, a multi-state real estate investment firm headquartered in Charlotte, N.C., Mike DeVine's private law practice specialized in state and federal criminal defense work, complex civil litigation including medical malpractice and products liability, as well as Fair Credit Reporting Act (FCRA) challenges into the late 1990s.

DeVine lobbied Congress for amendments to the FCRA which took effect in 1998 and made credit challenges easier to make. In 2001 he developed the Vista Credit Challenge Process based on those changes in federal law and has specialized in helping investors and consumers in their credit challenges ever since.

The Vista Credit Challenge Process

Mike DeVine, esq.
7300 Quail Ridge Drive
Charlotte, NC 28226
tel. (704) 493-2852
fax (704) 910-0475
mdevine@mikedevinelaw.com
DeVineLawVista.com currently under construction

THE VISTA CREDIT CHALLENGE PROCESS

The Vista credit challenge process is unique in the field of credit restoration with its money back guarantee and utilization of over 13 years of private practice legal expertise, and eight years of specialization devoted entirely to challenges under the Fair Credit Reporting Act.

The Vista credit challenge process, unlike most others in the field:

• Does not use one-size-fits-all challenge letters;
• Utilizes literally hundreds of challenge letters tailor-made to the specific consumer, specific derogatory item to be challenged and specific credit bureau reporting the item to be challenged;
• Challenges all delay tactics employed by the three major credit reporting agencies with specific reference to the applicable provisions of the Fair Credit Reporting Act and any other applicable federal or state laws; and
• Provides a money-back guarantee should results not be obtained.

During the past seven years of exclusive devotion to the credit challenge field, our process has enabled numerous consumers to fulfill their goals. Initial results are usually obtained within 60 days with the average score increase being from 75-125 points once the process is completed, usually within 60-180 days. Applicants are entitled to receive services for op to one year.

We have secured the deletions of all types of derogatory items reported by Equifax, Experian, and Trans Union including:

• Collections
• Charge-offs
• Late-payments
• Repossessions
• Judgments
• Foreclosures
• Identity Theft Items
• Bankruptcies

Base price for six month, money-back guaranteed Vista Credit Challenge program is currently $780 for single applicants and $850 for joint applicants. Discounts available depending on work involved.

DeVine Law is also available for civil corporate work.