Are you in need of a Family Law attorney?
Credit repair is the process you use to challenge questionable negative entries on your credit report. These types of entries may be inaccurate, misleading, unverifiable, or otherwise flawed. Despite their inaccuracy, your score will dip as a result: a 2014 report from Consumers Union stated that an erroneous 30-day bank card delinquency on your credit report could lead to a 100-point drop in your credit score. The goal of credit repair is to clean-up your reports and ultimately improve your score.
What Does a Credit Repair Attorney Do?
Credit repair attorneys perform a number of services aimed at repairing your credit, including:
-Reviewing your credit reports to evaluate potential errors or ways to improve your score
-Negotiating with credit reporting agencies to remove negative items from your credit report, such as late payments, charge-offs and foreclosures
-Negotiating settlement amounts with your creditors
-Representing you in court if a creditor sues you
Although you can do most of the same things a credit repair attorney can do (in other words, you don’t have to be a lawyer to repair your credit), it may be difficult. In addition to persistence and time, repairing your credit will likely require, at the least, making a series of phone calls and sending correspondence to credit bureaus. An experienced credit repair attorney has attained a level of expertise by repeatedly dealing with credit bureaus and understanding consumer rights and can then use that expertise on your behalf to provide you with the convenience (for a fee) of repairing your credit with less frustration to you, and hopefully better results, than if you did it yourself.