Everyone needs good credit, from young adults just starting their financial lives, to the elderly who have lived through it all. Your credit report is a general summary given to banks, lenders, and other financial institutions that shows how you manage financial responsibility.
Our firm practices in the area of credit reporting, and the violations of your rights by credit bureaus and the lenders that furnish them information. If you have inaccuracies on your credit report, or are a victim of identity theft, we can aggressively represent you in removing any negative information that is inaccurate, obsolete, or unverifiable as to you. We are not a credit clinic like the companies that advertise on the internet, and claim to be law firms. We do NOT have monthly fees, or gimmicks. We are licensed attorneys that aggressively represent our client, and give free legal evaluations of all cases prior to accepting any money, and we have successfully sued credit bureaus before for reporting improperly to our client’s credit records.
What's even more value to our clients is the fact that we usually handle litigation against credit bureaus on a contingency basis, meaning that our attorneys fees can be paid by the defendant(s).
Our firm can help you prepare dispute letters to the credit bureaus when we find inaccurate information on your credit reports, and possibly obtain deletions or corrections to your credit records. See the examples below. One important thing to know about our firm is that we are not to be mistaken with a credit clinic. We are a strong, aggressive law firm that advocates for our clients' rights under the Fair Credit Reporting Act, Fir Debt Collection Practices Act and other laws.
And if your credit report contains accurate negative information, then our law firm will give you a free legal evaluation as to the proper path to cure your credit of that information. Since we represent our clients in the entire debt and credit equation from start to finish, we can advise you of your legal rights and help you resolve any problem that is weighing down your score; we can show you how to legally reestablish your credit worthiness.
For example, if your credit is suffering due to tax liens, money judgments, and lingering balances on debts, then our firm can show you three or four different paths to resolve all of those debts directly with the creditors and taxing authorities, and agree with those authorities that your credit record must be updated to reflect your resolution. If you have a judgment from a creditor, we can negotiate the settlement and removal of that judgment by having it set aside in court; if you have collection agencies passing around a balance from one company to another, we can stop that by sending letters and settling the outstanding indebtedness or fighting them to establish whether you owe the debt. And if any of these other parties ever violates any law in any way, we will punish them by quickly filing suit since our attorneys are experts in all laws regarding the debt and credit filed.
Following this path then enables you to begin rebuilding your credit worthiness and recovering from the past damage.
It is important to note that nobody can remove accurate, non-obsolete, and verifiable information off of your credit record nor should anybody try. But our firm can help you rehabilitate yourself in those situations through the proper paths available to you as explained above (filing bankruptcy, settling your debts with your creditors, etc.). Our goal is to represent you regarding inaccurate, or obsolete, or unverifiable information that appears on your credit record. We pride ourselves on having the requisite knowledge, experience and system to fight credit bureaus toe to toe, and speak to them on their own terms. Our attorneys know the law regarding credit reporting, and are capable of suing credit bureaus and furnishers of information for violations of your legal rights.
Here is a list of the common things that affect creditworthiness, and our solution:
- Problem: Inaccuracy on your credit report that hurts your score.
- Problem: Identity theft. Your identity has been stolen and there are items on your report that are preventing you from living to your full credit potential.
- Problem: Delinquent debt. You have a legitimate, delinquent debt on your credit report.
- Problem: Too many debts delinquent debts on your credit report.
- Problem: Tax liens.
- Problem: Unpaid medical bill(s).
- Problem: Old items on your credit reports and “zombie debts.”