How to Fix Your Credit

We fix credit reports for free.

Most credit reports are damaged, including YOURS!We offer free credit help. Our law firm focuses on fixing credit from a legal perspective. We have been repairing credit since 2008 and have done so for free. We are one of the country’s largest filer of lawsuits to repair credit under the Fair Credit Reporting Act. This law requires those persons and lenders who damage your credit report to pay our fees and costs.

Did you know that 80% of all credit reports in the United States contain inaccurate information of some kind? Did you know that half those inaccuracies are enough to damage your credit score? That means that there is a 40% chance that YOUR credit score is less than what it should be.

Here are the most common sources of inaccurate information:

  1. Identity Theft is one of the most common reasons that credit reports get damaged. Once upon a time, the bad guys had to go through your garbage to find your credit card information. No more! Now some of the bad guys work for your doctor’s office or even your accountant. They have access to your name, address, birthdate and social security number. The “pickins” are lush!
  1. Mismerged data damages credit reports when information between people with similar names appears on the wrong report. We see a lot of mismerged credit reports between fathers and sons with the same names (e.g. juniors and seniors). This is especially so when these persons live in the same town and even more so, when they live at the same address.
  1. Incomplete or inaccurate data provided lenders. Lenders can sometimes get lazy or careless with you information. They may provide most of your identifying information to a credit reporting agency, but not all of it to specifically identify you. When this happens, credit reporting agencies look at names and addresses to identify you. Worse yet, lenders sometimes report inaccurate information about you such as:
    • Failing to report an account as included in bankruptcy after you have filed for bankruptcy;
    • Failing to report payments that you have made on an account after bankruptcy. We see a lot of this when creditors continue to collect mortgage payments from consumers after bankruptcy, but the creditors refuse to report these payments received. This damages your credit score;
    • Reporting a short sale of a home as a foreclosure. There is a world of difference between these two types of reportings. A foreclosure implies that you walked away from your obligation, while a short sale implies that the consumer made an effort to negotiate a difficult situation.
    • Reporting payments as received late when they were received timely.
  2. We see a lot of screw ups by banks and other lenders on consumer credit reporting. Many people mistakenly believe that banks don’t make mistakes. We are here to tell you that that is simply not true. Banks make a lot of mistakes.
  3. Public Records such as judgments and liens do not contain social security numbers. The credit reporting agencies pick these items up and report them according to the name on the defendant side of the document. These are sometimes reported on the wrong person’s credit report.

As you can see, there are many ways that your credit report can get damaged without you knowing about it.

Fixing your own credit is NOT a good DIY project.

Writing a good dispute letter is not easy.

How Free Credit Repair Works

The technical process of fixing a credit report is quite simple. Yet, it rarely works out the way people want. To attempt to fix your credit report, you simply need to write a letter to the credit reporting agency that has the offending information on your credit report and let it know that you dispute that information and why it is inaccurate. Your dispute will most likely be sent to somewhere in India where the credit reporting agency’s dispute agent will open your letter, scan it into their system and then simply verify the disputed information as correctly reporting on your credit report.

The real process is much more complicated. You have to be sure that your letter contains enough identifying information about yourself or your dispute will be rejected. You have also be certain that your letter contains enough information about the disputed information and include enough proof to support your dispute or your letter will be rejected. You have to make sure that you get a response back from the credit reporting agencies in 30 days and then you have to check your credit report, again to make sure that the disputed item has been removed or updated. However, there is a far easier process….

We fix credit for free

Let our Arizona credit lawyers take the head ache out of this for you and let us do the work for you, for free. We will write the right letter and make sure it gets to the credit reporting agencies. If they remove the item from your credit report, we will be happy to have been of service. If they do not remove the item(s) from the credit report, we will sue them for you, for free. It will not cost you a dime to hire us to do this entire process for you.

If your credit report contains inaccuracies, errors or mistakes, contact Attorney Gary Nitzkin, at 480-771-6001 You can also email Attorney Gary Nitzkin at