Free Credit Repair. If we sue, no out of pocket cost to you.
Using the Fair Credit Reporting Act (“FCRA”), our credit repair lawyers can fix your credit reports at no out-of-pocket charge to you. If we have to sue, there is no out-of-pocket charge to you. Through our 3 For Free Program you can get up to 3 dispute letters for free from us. We will write the appropriate letter to the credit reporting agencies to get the item removed for you. If we are successful after writing a letter, you owe us nothing. If we have to sue the credit reporting agencies to get the offending trade line removed for you, you will pay us nothing out of pocket. We collect our fees and costs from the money that we collect on your behalf. We will still get you your damages compensation. The FCRA requires the defendants to pay your fees and costs and we look to them to do so. Of course, you can write a dispute letter to the credit reporting agencies yourself, but why would you want to when we will do it for free? Find out more by visiting our 3 For Free Program page.
How Free Credit Repair Works
We make the credit reporting agencies pay you damages.
Under the Fair Credit Reporting Act and the Fair and Accurate Credit Transactions Act (“FACTA”), we can get money damages for you if we have to sue the credit reporting agency to get your credit report cleaned up. You may be entitled to actual damages including emotional distress, embarrassment and humiliation. Call us for a free case evaluation.
Put our 25 years of experience to work for you.
We have filed numerous lawsuits under the Fair Credit Reporting Act. We have been highly successful for our clients and have collected large amounts of money for them. We know the law and more importantly, we know how our opponents think and evaluate cases. Put our experience to work for you and let us get your credit report cleaned up and get you paid.
How to fix your own credit report and why you should NOT do it
Top 5 ways that your credit report gets damaged
Common Causes for Credit Report Errors
Credit Reporting Agencies such as Trans Union, Experian and Equifax frequently make mistakes on consumers’ credit reports. About 70% of consumer credit reports contain some mistake. Chances are excellent that your credit report contains an error. Approximately 20% of these mistakes result in the denial of credit or a higher rate of interest. Some of the more common mistakes made by the credit reporting agencies include:
- Creditor errors account for a large number of mistakes on credit reports. Many of those are not detectable by lay people or even credit repair pros. They are detectable by us. Get us your credit reports for a free credit report evaluation. We are happy to tell you what we see and what we think we can fix.
- Identity theft. This type of error is growing exponentially and may be the number one cause for credit reporting mistakes today.
- Mismerged information. This kind of error occurs between different people with the same name. For example, John A. Doe who lives in Montana may have his credit information placed on John A. Doe who lives in Florida. This is a very common mistake.
- Discrepancies amongst 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. Derogatory credit information has to be removed from your credit report after seven years from the first delinquency. Sometimes a debt buyer or a collection agency “re-date” a date of last delinquency so that a derogatory 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. A delinquent debt may not be reported longer than 7 years on your credit report. Yet, in order to force you to pay the debt at some point, some collection agencies “re-date” the beginning date of the debt so that it stays on your credit report longer.
How we can help you fix your credit for free.
This Is How We Work To Fix Your Credit Report
We review your credit reports for errors and mistakes
We send dispute letters on your behalf to the credit bureaus
We review the responses from the credit bureaus to see if they have deleted or updated your credit report correctly
If they have fixed your credit reports, then we are done. You are all set at no charge. If not, we sue them at no out of pocket charge to you
What is the fair credit reporting act
This is a federal law that protects you against improperly reporting information on your credit report. The FCRA puts you in charge of making sure that your credit report is accurate. If it is not, you must notify the credit bureau (and not the data furnisher) of the inaccurate information. Writing the right letter is incredibly important. Let us do that for you, for free. After years of taking the depositions of the credit bureaus, we know how to write the right letter.