Credit Repair Attorney

Sometimes inaccurate information is included in a consumer’s credit report. If you’re working on repairing your credit alone, you can try to dispute these inaccuracies on your own. There’s a specific time period in which the credit reporting agency must respond and if they fail to do so the inaccurate entry must be removed. People who try to repair their credit on their own typically can handle that much, but where problems crop up is when the credit reporting agency reports that an inaccurate claim is accurate or if they fail to remove undisputed information.

Consumers who work with credit repair firms can fight when companies do not abide by fair practices. Sometimes just having an attorney represent you can be all the pressure you need. Sometimes it’s not enough. Smith and Garg is a full service law firm not just a credit repair clinic. Law firms have more resources and actions they can take to get results than an individual has the knowledge or ability to do.

Accurate and legit information cannot be removed. Some disreputable credit repair clinics will claim to remove all negative entries on a credit report. If a negative entry is legitimate, it cannot be easily deleted with a few form letters. A credit repair attorney can negotiate with creditors and try to “re-age” the account, negotiate a payment plan and sometimes negotiate a lower amount due to assist in repaying the debt. Not all debts can be “re-aged” and your attorney can help you understand when this action can be taken. Not all creditors will negotiate viable payment plans or the amount due with the consumer. If you have an attorney representing you, they may be more cooperative.

Legitimate negative credit entries may not be able to be removed, but there are legal ways of “softening the blow” against you.