Your Credit Repair Made Easy With A Low Cost Credit Repair Attorney:

Credit Repair is one of the most illusive challenges consumers face today and many face this battle. In the recent years many have suffered from derogatory credit due to the significant downturn of the economy following the burst of the housing bubble. My business as a mortgage loan originator has required me to understand credit repair more than ever before, and if there is one fact that I’ve learned in my research it’s that you can fight the credit bureaus back! You may think your credit report is accurate, but that word accurate becomes very subjective when you bring a credit repair attorney group into the equation! There may be more room for “credit repair” in your circumstances then you may think! The single most important fact to remember regarding you credit report is this; unless your creditor or the collections agency owning your debt can document their claim against you, they have no right to continue to report that negative item.

How Does The Fair Credit Reporting Act Affect Credit Repair?

The credit bureaus have a very precise protocol that creditors and collectors need to abide by and unless those protocols are followed exactly, you have a claim at removing a derogatory item on your credit report (more often than not they make mistakes). The great thing is with the right credit repair company (and the right company is key) you can combat your collectors utilizing the same tactics that they have used against you, namely the law. These regulations have been implemented through the Fair Credit Reporting Act that was originally passed back in 1970. This act provided consumers with rights in regards to information that pertains to their financial history and the reporting to the credit repositories.

I have clients come to me everyday that need serious credit repair, they have multiple collection accounts and a string of late payments. Over the years I’ve toiled over what credit advice to give them so they can actually have a chance at qualifying for credit. I’ve tried all kinds of local credit repair guys working out of their garage, and multiple nationwide high volume mill house providers, but now I refer all of my credit repair clients to Lexington Law. They have been my secret weapon in the loan industry for years. This company has some seriously powerful tools at their disposal to help meet your credit restoration needs. They are the most prompt,detailed and resourceful credit repair organization on the market. Best of all it’s far cheaper to use a credit repair attorney than the local guy working out of his home who’s trying to make his car payment with your one big lump sum payment.

Fair And Accurate Credit Transaction Act

It doesn’t take long to get your credit repair done when you work with a power house like Lexington Law, of course the more damaged your history the longer it will take, but there are no contracts with the Lexington Law firm and you can cancel anytime. I can’t even count how many people I’ve helped become home owners because of Lexington Law, but I want you to feel the same level of fulfillment and satisfaction after your credit repair campaign that they have. They understand the Fair And Accurate Credit Transaction Act of 2003 (or FACTA) like no one else, if your identity has been comprised they will go to task to eliminate any reporting to Experian, Transunion, Equifax, or even the Medical Information Bureau.

The willful non-compliance of the Fair Credit Reporting Act can result in financial civil penalties for those wrongfully reporting an item to one of the consumer reporting agencies. This means that your creditors take a challenge or a dispute seriously.

The number above will get you in touch with a paralegal who will give you a free consultation over the phone and let you know right away whether their program is a fit for your needs. Every paralegal is led by a credit repair attorney who manages a group of clients.

The message I have for you today is this; “there is no report too damaged, or any negative item too harmless.” There is hope for you to regain control over your creditors and collectors, get back on track, feeling good and unembarrassed about your credit report. Credit repair is for any report ranging from the severely damaged, to the minor mistake, but you need a credit repair attorney on your side. Someone who can contact the creditors directly to put pressure on them.

Glean from the trials that I have had to go through trying to help my clients find the best resource to get them back on track and make them homeowners as quick as possible! You can save yourself a lot of hassle in your credit repair search.

Author: Keith Meredith