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|About||Attorney based credit repair that helps consumers fix their credit reports, improve their financial lives and fight for their consumer rights.|
You Don’t Pay Until It Goes Away!
The attorneys at Credit Law Center fight for consumers rights. The FTC reports that over 70 percent of American consumers have mistakes on their credit reports. Our firm assists consumers in disputing questionable information on their credit reports and demands that the accounts be deleted if they are not 100% accurate. Consumers are protected by the FCRA (Fair Credit Reporting Act) and when we find violations we use them as leverage to get the items deleted. With over 13 years of litigating consumers rights cases we have perfected the dispute process and documenting violations. The best part of all is that there are never any upfront fees and you only pay for the deletion or corrections of an account!
Our process is simple. After we dispute questionable items on your credit report the Credit Reporting Agencies (TransUnion, Experian and Equifax) have 30 days to notify you of the status of your disputes and up to 45 days to complete their investigation. Once that investigation is complete they will mail you the results. The CRA’s (credit reporting agencies) only have three options when responding; they can delete, verify or update the information.
If they delete…
If they delete the information or account, fantastic that is what we are after. Most consumers don’t realize that once a negative item is deleted it has an immediate impact on their score. Credit scores don’t change daily or hourly, a credit score is only generated when it is requested and is calculated based on the information that is on file at that time. For example; on Monday derogatory information is reporting on your credit report. On Tuesday, derogatory information is deleted. When you order a new credit report it is as if the derogatory information was never reported. Your score is based only on the information on file at the time you order your report.
If they verify…
If they verify the information that’s okay, this is where the repair process ends with most c