Credit Attorney, P.C.
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   Credit report repair law firm since 2001. Over 50,000 clients served.    Contact Us  |  Client Login
 
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Home > FAQ > Our Services FAQ Jun 28, 2017

About credit report repair

1) Is it legal to dispute credit report items?
2) Can I correct credit reports myself?
3) What types of items can be corrected?
4) Have you corrected bankruptcies?
5) How long will the process take?
6) Do you charge in advance?
7) Can I cancel the service at any time?
8) Why do you charge a monthly fee?
9) Why must I provide the initial credit reports?
10) Where do I mail my credit reports to?
11) What happens after I enroll?
12) What happens if my payment is dishonored?

1) Is it legal to dispute credit report items? [top]

Yes, your right to dispute inaccurate information found on your credit reports is protected by federal law. Please see the Fair Credit Reporting Act (FCRA) for a complete explanation of this right.

2) Can I correct credit reports myself? [top]

Yes, you have the legal right to correct your own credit reports. Yet many clients feel that utilizing our service is both more economical and more effective. People who attempt to correct credit reports on their own may find the experience intimidating, time-consuming, labor-intensive, or altogether too bureaucratic—often resulting in little or no change to their credit reports despite their best efforts.

3) What types of items can be corrected? [top]

Credit Attorney, P.C. has successfully corrected a wide array of inaccurate items including late pay, collection, charge off, bankruptcy, item in bankruptcy, judgment, closed by grantor, reposession, foreclosure, garnishment, and liens.

4) Have you corrected bankruptcies? [top]

Credit Attorney, P.C. has successfully challenged bankruptcy references on credit reports, as well as items included in bankruptcy. However, because each case is different our past success cannot and does not guarantee a successful correction or removal of bankruptcy references on your credit reports.

5) How long will the process take? [top]

On average, Credit Attorney, P.C. clients use the service for nine months before they feel they have achieved their desired results. Correcting your credit reports could take less time or more, depending on a number of factors including but not limited to the number of negative items on your reports, your level of participation in getting credit reports to us, and the level of credit bureau cooperation.

6) Do you charge in advance? [top]

No. Credit Attorney, P.C. charges for services only after they have been performed. The first-work fee covers the cost of setting up your case and access to Credit Attorney, P.C.'s extensive library of credit education materials. These steps are completed prior to drafting your first payment. The monthly fee is a fixed, flat rate for the service which covers all work performed during the previous month.

7) Can I cancel the service at any time? [top]

Yes. Credit Attorney, P.C. allows you to cancel the service without penalty or further obligation at any time.

8) Why do you charge a monthly fee? [top]

Because it makes the service affordable. Itemizing fees and charging on a per-action basis would prove cost-prohibitive for most if not all clients. For a detailed view of what an itemized fee structure looks like, click here.

9) Why must I provide credit reports initially? [top]

As a law firm we are not authorized to request copies of your credit reports directly from the consumer reporting agencies. You will need to furnish us with the initial set. Note that this step is necessary only once. After you have provided us with initial copies of your credit reports, the credit bureaus will send you updated copies automatically each time they update your account to reflect a change. You will mail those updated copies to us. Please see the Credit Reports FAQ section for a list of options on where to obtain your credit reports.

10) Where do I mail my credit reports to? [top]

You may forward electronic copies to your case paralegal, or you can mail your credit reports along with any correspondence you receive from the credit bureaus to our office.

11) What happens after I enroll? [top]

Upon enrollment you will need to furnish us with current copies of your credit reports. (See Credit Reports FAQ for ordering options). You can email electronic copies to your case paralegal, or print and mail them to our office. In the meantime, Credit Attorney, P.C. will perform the most costly portion of your retainer—your case setup. As soon as we receive your credit reports we enter them into your electronic case file from where they will become accessible to you through our client extranet. Using our easy-to-use Dispute Manager™ you will identify those items which you believe to be inaccurate, misleading, or unverifiable, select specific dispute methods, and set the preferred order for disputing the items. Your online account will be updated throughout the process to document progress on your case. Additionally, each month we publish an itemized invoice to your online account summarizing all work performed the previous month, as well as an attorney review of your case.

12) What happens if my payment is dishonored? [top]

Should your payment be returned and/or dishonored by your bank or credit card company, we will redraft the payment and add a $25.00 late fee. We will continue to draft your account during a 30-day period until payment is received. If your payment has not been received after 30 days your case will be suspended until payment arrangements can be made. Should you wish to change a scheduled payment we require that you notify us at least three business days prior to payment.




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     - Mtume, CT

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Copyright © 2001-2008 Credit Attorney, P.C.&trade (Dana Facemyer, admitted in Utah) and Credit Attorney California™ (Adam Fullman, admitted in California). All rights reserved. The services of Credit Attorney, P.C. and Credit Attorney California may not be available in all states. Credit Attorney, P.C. and Credit Attorney California collectively may be known as "Credit Attorney," "we," "us," or "the firms."
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