Credit Repair Attorney

Last Updated:
April 7, 2023

In a perfect world, your credit score would perfectly reflect your financial responsibility and would never require further investigation or fact-checking. But we don’t live in a perfect world. In fact, more often than not, average Americans have to take great care to monitor their credit scores and engage in credit repair from time to time.

But what if credit furnishers or credit bureaus don’t play by the rules or respect your rights as a consumer? In that case, you may need the assistance of knowledgeable credit repair attorneys.

What is Credit Repair?

Put simply, credit repair is the act of investigating and fixing errors on your credit report. For example, if you look at your credit score and expect it to be a certain level, only to find that it is lower than it should be, you may need to take a closer look at your credit report.

When you investigate, you discover that your credit report has duplicate debt line items, causing your credit score to be lower than it ought to be. You then need to take steps to engage in credit repair, namely by filing a dispute letter and/or contacting credit furnishers.

Eventually, you resolve the issue and your credit score returns to its rightful place, unlocking high-quality loans and other financial opportunities in the future.

Why is Credit Repair Necessary?

Credit repair may be necessary for a variety of reasons:

  • Perhaps a credit furnisher – such as a utility company, business, or creditor – provided one of the big credit bureaus with inaccurate information, such as reporting a debt that you already paid off
  • The credit bureaus may also make one or more mistakes. For instance, one of the big credit bureaus could misattribute a debt or loan to you instead of another person by mixing up your identity with someone else's (especially if you and the other person have similar names)
  • Sometimes, debts or other negative line items can stay on your credit report despite being old. They can affect your credit score negatively if you don’t take steps to remove them

In any case, credit repair is an important part of monitoring your credit score and being a responsible consumer. While it would be nice if you never had to worry about credit repair, it’s something that almost everyone has to deal with sooner or later.

Credit Repair Attorneys Explained

Credit repair attorneys are knowledgeable legal experts who know the ins and outs of credit and consumer protection laws. For example, they know all the rights that protect you as an American consumer under the FCRA and FDCPA.

Think of credit repair attorneys as specialized attorneys who can assist with credit repair, negotiating with creditors, and speaking or writing to the credit bureaus. They primarily assist American consumers with all types of credit repair issues and credit questions.

Like other lawyers, they can also help you file lawsuits against at-fault or guilty parties who have violated one of your rights. For instance, if you need to file a lawsuit against an irresponsible creditor, credit repair attorneys may be able to help on every step of the process.

Benefits of Hiring a Credit Repair Attorney

Hiring knowledgeable, reputable credit repair attorneys may provide you with several important benefits.

Help Understanding Your Credit Report

For starters, credit repair attorneys can give you an in-depth understanding of your credit report and the rights you have as an American consumer.

Many Americans barely understand what a credit score is, let alone how to review it regularly. Credit repair attorneys can tell you:

  • What your credit score means, as well as what constitutes a good credit score
  • How to review your credit score, as well as break down how you are entitled to one free credit report each year at a minimum
  • What the credit bureaus do and how it all works
  • And more

This information is vital if you hope to negotiate successfully with credit furnishers and file dispute letters that can eliminate negative line items on your credit report. Information is power, and credit repair attorneys can provide you with a lot of it.

Assistance Speaking with Credit Furnishers

Credit furnishers are any organizations that provide information to the credit bureaus: Experian, TransUnion, and Equifax. For example, when you sign up for a utility company's services, that company then sends regular reports to the credit bureaus, reporting on things like whether you pay your bills on time, whether you have outstanding debts, etc.

All credit furnishers are legally obligated to investigate dispute letters within 30 days of receiving them. That said, many credit furnishers don’t take these steps, nor do they necessarily pay a lot of attention to the information they provide to credit bureaus.

If the credit furnishers responsible for credit errors don’t talk to you, attorneys can speak to them on your behalf. Many credit furnishers, especially private organizations and companies, are more willing to speak to a lawyer than a regular consumer.

Aid Writing Credit Dispute Letters

Credit dispute letters are your primary tools to repair your credit and eliminate false or erroneous line items.

As an American consumer, you have the right to send a credit dispute letter to both credit bureaus and credit furnishers. You can break down exactly what’s wrong with your credit report and request that the information be corrected ASAP.

The credit bureaus and furnishers have to investigate the issue within 30 days, plus provide you with a response promptly after work. The right credit repair attorneys can help you file and write a credit dispute letter so that it gets the attention of your target organization and contains all the important information that the organization needs to conduct its investigation.

This will accelerate your credit repair. For instance, knowledgeable attorneys can ensure that you include the necessary information for the credit bureau to complete its investigation quickly so they don’t have to contact you for more info later.

Legal Counsel and Help with Lawsuits

A credit bureau or credit furnisher does not investigate a dispute, or if they violate your rights under the FCRA in some other way, you may have grounds for legal action like a lawsuit. But filing a lawsuit, even if the law is on your side, can be difficult and time-consuming.

Credit repair attorneys can provide you with advice, such as:

  • Whether you should file a lawsuit and what your chances of success are
  • The steps you need to take to file your lawsuit quickly and successfully
  • How to gather the necessary evidence to strengthen your case
  • How to represent yourself in court if needed
  • And more

Perhaps most valuably, credit repair attorneys can provide you with peace of mind throughout the lawsuit process. They can answer any questions you have and represent you in court to ensure that your lawsuit stands the greatest chance of yielding damages to compensate you for credit score damage.

Contact Fair Credit Today

Credit repair attorneys can provide invaluable assistance whenever you need to file a dispute letter with a credit bureau or credit furnisher. More importantly, they can provide you with the expert know-how and clear answers you need to come up with a plan and tackle any credit report issues you may encounter.

That’s why you should contact Fair Credit today. Our licensed, experienced attorneys know exactly what to do and how best to assist with errors on your credit report or other credit repair needs. Contact us today to learn more.

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