How We Can Help

Free, No Obligation, Private consultation

No matter what your situation, we can help, and we will help you figure out how with a free consultation. Call us now at 1-800-Credit911 to get started, or keep reading to find out how our service works.

Good Credit opens doors

Credit is how the world sees you. When you want to get a job, when you need a loan to get a car or even if you just want to rent one, your credit score is often the determining factor in your acceptance. Because of this, it is important that you understand how good credit opens doors that you can not access without it.

From starting a business to buying an engagement ring, your good credit gives you options. We understand that things happen, mistakes are made and that you are not the same person that you were 2, 5 or 7 years ago. We want to help you get the credit that you deserve and to get it fast so that you can live the life you want without the hassles.

Isn't it about time you had attourneys fighting on your side?

Removing negative items is your right and duty!

Did you know that the credit bureaus are NOT government agencies? Actually, they are publicly traded companies out to make obscene profits by manipulating your credit scores! Fortunately, Congress has passed legislation which regulates the credit bureaus, and for once that legislation was passed with your interests in mind.

The Fair Credit Reporting Act ("FCRA") was enacted in 1970 and has been regularly updated thereafter. From the beginning, it was designed to protect real people like you and I from abuse by the credit bureaus. Put simply, the FCRA provides the ability for a consumer to dispute the "completeness or accuracy" of any item with the bureaus. Once a bureau receives any dispute, it is required by law to reinvestigate the issue, and if the details can not be verified within 30 days, the item must be deleted.

What if the information is accurate?

The FCRA does NOT say that the item itself must be inaccurate in order for it to be deleted; it merely states that if you dispute the completeness or accuracy of the item and it can not be verified within 30 days that it must be deleted.

What can I do if they don't remove it?

If the bureaus do not comply with the law in a timely fashion and remove the item(s) that they are unable to verify, you can sue them to remove the item(s). Unfortunately, it's not that easy. Because the bureaus are large organizations, they will often say that they have verified your items in ways which on the surface seem pretty convincing. It's a great sleight of hand - but as lawyers, we know that what they are doing is often fraudulent. I'll be discussing this further in one of my upcoming Newsletters which you can receive once you sign up for a free download of our two important booklets.

In the mean time, imagine threatening to sue the credit bureau by yourself and the effect (or lack thereof) that it would likely have on such a large organization. Now imagine the difference when we, your legal representation, send a well-crafted demand letter accompanied by a draft of the Complaint which we are prepared to file if the bureau does not comply immediately with its statutory obligations. Which approach do YOU think is best?