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Perhaps you are wondering if all those advertisements you read on the internet are true. Can someone really help you clean up and restore your credit? Perhaps you have already sent your money, even for months and months, and are not satisfied with the results.
THE LIES. While it is true that if one throws enough mud at the wall, some of it will stick, the reality is that it is illegal for a person to promise to you that they can remove truthful, accurate, timely, complete information from your credit report. There is no magic bullet to remove that repossession, foreclosure, bankruptcy, late payment, charge off, or other negative event from your report, as long as it is truthful, accurate, and complete.
THE TRUTH. You are entitled to enforce your rights under the federal Fair Credit Reporting Act to ensure the removal from your report of inaccurate, out of date, unverifiable, or incomplete information. If credit reporting agencies are violating the FCRA and you are being damaged, you have the right to redress in court.
An attorney with experience in handling consumer credit issues will be able to understand how to read credit reports and can often discern when information is incomplete or inaccurate in the credit report. And, they can help you write a dispute letter that will meet the requirements of the Fair Credit Reporting Act and help you preserve your rights, should it become necessary to file a lawsuit.
An attorney may be able to negotiate a settlement of a debt that you owe on favorable terms so that you can resolve outstanding delinquent line items on your report. An attorney would be necessary to evaluate whether a lawsuit under the Fair Credit Reporting Act is necessary or advisable to help you with your report. Of course, the attorney would also be extremely helpful, maybe even mandatory, to actually file and prosecute the lawsuit.
An attorney may be able to counsel you about steps you can take to improve your credit. Though it’s not always possible to know exactly what steps are necessary to improve your credit score, there are some common guidelines that an attorney may help you understand in your particular situation.
If you need an attorney to assist with your credit, we hope you will consider contacting our office. Please know, though, we are not a dubious “credit repair business” and we do not help people remove information that is correct and complete. So, we cannot help you remove that bankruptcy you filed last year or that repossession you had last month. But, we will help you evaluate whether the negative information is being reported accurately and completely.
The Law Office of Joel Rodriguez understands credit and its complexity. We believe each client’s situation and needs are unique; at times our services aren’t the plausible choice. We offer anyone a no obligation credit analysis. We give a detailed assessment of an individuals credit report based on the algorithm of credit. After analyzing the severity of credit damage, feasible credit potential and the goals of our client; we make a determination if our services will be the best option for the client. Once determined our services are the best option, we will put together a detailed plan to achieve our clients goal; typically in 6 months or less.
By leveraging creative strategies and extensive legal knowledge, Joel is able to help his clients achieve their goals and to minimize the adverse impacts of their legal challenges.
We represent consumers with credit report errors. Credit report problems can be a result of identity theft or a consumer reporting agency’s failure to assure the maximum accuracy of its files.
The decisions you’ve made in your past don’t always have to affect your future, and a big part of debt management is understanding your financial strengths and weaknesses. If poor decision making or environmental situations have left your credit report in bad shape, this is where we can help.
Identity theft is quickly becoming a common problem affecting credit reports. If accounts are showing on your credit report which are not your accounts, you must dispute them. Our firm can help create the proper record and notifications to correct negative reporting which resulted from identity theft.
Debt collectors must be truthful and treat you with fairness, dignity, and respect. As a consumer, you are afforded a multitude of consumer protections against debt collectors. Our firm works for consumers whose rights have been violated under the Fair Debt Collection Practices Act and other consumer protection statutes.
contact@creditrestoration-attorney.com
Ph: 832.5900343 Fax: 832.218.6916
PO Box 2684, Cypress, TX 77410