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Your credit has been missing something: YOU
The credit system may seem like a private conversation between your creditors and the credit bureaus, but this conversation is not complete until you have joined it. You have the right to question any information on your credit reports that you feel may be inaccurate, untimely, misleading, incomplete, ambiguous, unverifiable, biased or unclear ("questionable.") If an item cannot be verified, then it must be removed.
Our law firm helps you become part of the credit conversation through time-tested services that incorporate innovative dispute methodologies, creditor interventions, and other credit repair methods that make full use of your credit rights as established by the Fair Credit Reporting Act (FCRA) and other federal laws.
While these laws give you a way to address credit issues on your own, acting on them takes more than a letter, a stamp and crossed fingers, it takes experience and perseverance. Many who try to repair their own credit are discouraged by a series of roadblocks that lead them to end their fight for fair credit in frustration and despair.
Our recommended law firm focuses on repairing credit reports. They have helped over 400,000 Americans repair their credit reports by removing inaccurate, misleading, or unverifiable information (in other words, "questionable" negative credit.) From bankruptcies to charge-offs to tax liens, they have challenged virtually every credit problem under the sun - and deleted over 600,000 items last year alone.
They are good at what they do because they believe in their work, because they enjoy what they do and they are committed to their clients. And that means they have obtained amazing results. Results that can literally turn a person's life around.
Their service is engineered from the ground up with credit report repair in mind. They offer two levels of service. First, results-tested regular service utilizes the Fair Credit Reporting Act to remove inaccurate and unverifiable items from your credit reports. Second, an upgrade service incorporates additional legal interventions which may expedite your results. Whichever service level you choose, they will leverage their entire arsenal of credit experience and powerful strategies on your behalf.
Step 1: Forward your credit reports.
You begin each cycle by forwarding to the law firm copies of your credit reports from all three of the major credit bureaus. Keep in mind that the credit bureaus will only correspond directly with you, not your law firm. Without receiving these updated reports, the law firm has no way of knowing which items were removed successfully. Updated reports should be mailed to their office, not faxed or emailed.
Step 2: Choose which items to dispute.
Once your credit reports are received their staff enters the information into a database. Using their online Case Valet service you then choose which items to dispute, and how. Sound complicated? Not to worry. The service comes with an easy-to-use wizard that makes this step a simple matter of pointing and clicking with your mouse.
Step 3: The law firm works your case.
Your lawyer begins the dispute process by drawing upon its vast arsenal of credit report repair strategies and experience to challenge questionable negative items directly with the credit bureaus. Depending on the number of question able items on your credit reports, this step will be repeated for each subsequent loop through the cycle. (Clients who have selected the upgraded level of service receive additional legal interventions such as account history investi- gations pursuant to several consumer protection statutes.)
Step 4: Sit back and relax.
The credit bureaus have 30 days to investigate your dispute. After that, they must inform you of the results of their investigation, update your credit report and send you a copy of the updated report. It usually takes 60 days between the day they send a dispute and you receive an updated report. When you receive a response from a bureau, make a copy of the updated report for your records then send the original to your lawyer to move your case forward. Thus, the cycle begins anew, this time hopefully with fewer questionable items on your credit report.
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