According to the FTC, it is estimated that millions of Americans have mistakes on their credit report, such as errors or unfair negative reporting. Even before the recent economic uncertainty, families across the country were struggling with credit issues. These errors taint your credit score, which has an impact on your interest rates, payment terms, and the ability to access credit when needed.
In most cases, it’s your responsibility to contact the credit bureaus to correct these errors, but most consumers don’t know the right process to eliminate the mistakes. Depending on your situation, the process could take months (or even years!) to clear your credit report of the errors. Instead of navigating the confusing industry alone, it might be time to hire a credit lawyer.
What is a Credit Lawyer?
A credit lawyer is an attorney who specializes in credit repair services. The time and effort required to repair your credit can be both challenging and difficult, which is why a DIY approach isn’t an option for most people. In many cases, professional legal services are needed.
These services are focused on removing errors and eliminating negative items from your credit file. For example, a credit lawyer can help with issues such as a track record of debt collections, missed payments, tax liens, repossessions, and more.
Benefits of Hiring a Credit Lawyer
If you want to turn your credit score around, then hiring a credit lawyer is the first step to get back on track. Here are some of the many benefits you can expect from these services:
- Review of Your Credit Report: This process begins with a thorough analysis of your credit report. The lawyer will identify areas that need to be corrected and provide details about how to remove these issues from your report.
- Communication and Dispute Filing: The paperwork and system management can be stressful, which is why it makes sense to lean on the support of a lawyer for help with dispute filing. Your lawyer works as your advocate with the credit bureaus to fix anything inaccurate or pulling down your credit score.
- Court Representation: Sometimes, court appearances need to happen to get the credit bureaus to change the report. Your lawyer provides the representation needed to argue your case in the courtroom.
- No Out of Pocket Costs: It’s a myth that you need to have money in pocket to hire a lawyer. The truth is that credit repair lawyers don’t charge up-front fees. Instead, the legal fees are paid by the lenders and credit reporting agencies.
Get your Free Credit Report Analysis Today
If you are struggling because of a low credit score or just want a professional to review your credit report contact us at Credit Repair Lawyers of America for a free, no obligation, consultation. Our experienced team will be happy to review your credit reports, for free, and give you advice on how you can increase your credit scores. Call us, toll free at (888) 293-2882 or email Attorney Gary Nitzkin at [email protected], today.