We fix credit reports. Here is how:
As Credit Repair Lawyers, we file lawsuits to repair credit under the Fair Credit Reporting Act. Under this statute, the companies that are responsible for damaging your credit report are held responsible for paying damages to you plus our fees and costs. We focus on fixing errors and mistakes on credit reports.
Common Causes for Credit Report Errors
Identity theft
This is still one of the fastest growing crimes in America.
Mixed up information
This kind of error occurs between different people with the same name. For example, Bob Smith who lives in Montana may have his credit information placed on Bob Smith who lives in Arizona. This is a very common mistake. This also happens a lot between fathers and sons with the same name, especially when they both live under the same roof.
Discrepancies among credit reporting agencies for the same debt
One credit reporting agency may report a debt as current while another might report it as delinquent.
Delinquencies that are reported longer than 7 years
Generally speaking, derogatory credit information has to be removed from your credit report after 7 years from the date of first delinquency. Sometimes a debt buyer or a collection agency may re-age the date of last delinquency so that negative information stays on your credit report longer than seven years. In 2004, the Federal Trade Commission hit NCO Financial Systems with a $1.5 million fine for doing this very thing. It’s illegal.
Put our 26+ years of experience on your side
We have been in business since 1990 and fixing credit since 2008 when we discovered so many damaged credit reports among consumers. Since we started fixing credit and suing debt collectors, we have filed thousands of lawsuits to help people fix their credit. We have a very high degree of success. We get monetary damages for our clients and we do not charge them any out of pocket costs. Our fees and costs are paid from any recovery.
If you have errors or mistakes on your credit report, call us for a free no obligation consultation. If you are unsure, lets take a look at your credit report together. Email us at [email protected].
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