|What Can Credit Repair Do for You?
A consumer’s FICO score is a snapshot of their credit
worthiness. Your payment history accounts for 35 percent of
the total score, so paying your bills on time is very important
and the best way to remove most of the bad credit from your
credit report. The rest of your credit report is based on how
much you owe, the length of your credit history, the types of
credit and debt that you have and other factors. Even with a
perfect payment history, two-thirds of your credit score is
based on less objective criteria than your payment history.
Even the smallest error on your credit report can cause
significant damage to your credit score. In one case, a client
had a $100 small claims judgment that she had paid. We
helped raise her credit score by 100 points by making sure
that the satisfaction of judgment was properly reported.
Why Hire An Attorney?
In addition to the protections given to consumers by the Credit
Repair Organizations Act, attorneys are bound by rules of
ethics that require them to act with the utmost care and
ethics. We will do everything within our power to legally and
ethically repair your credit and prevent future problems.
How We Help Restore Your Credit
Step 1 involves obtaining a copy of your credit report from all 3
credit bureaus, including a copy of you credit score. Step 2
involves an office consultation with an attorney to identify any
and all errors in your credit report. Step 3 is to contact the
credit bureaus and the original creditor to dispute incorrect
information. The credit bureau must then reinvestigate and
modify or remove inaccurate or incomplete information.
If the credit bureaus 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.
Should you have any questions regarding our services or to
learn more about how we can help restore your credit, please