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HOW DO YOU REPAIR MY CREDIT REPORT? The Lawyers and staff at Centurion Law Firm have amassed significant experience and expertise in the laws and strategies of optimizing consumer credit files. We have developed our service based on this expertise to make the process as easy and straightforward for our clients as possible. After you send us your credit reports, your advocate will analyze your file to determine a preferred course of action. Based on this analysis your advocate will contact you via your preferred method and discuss their results and recommendations. Once we have your approval, your advocate will begin the dispute process, including expertly drafting and sending correspondence with the credit bureaus. This correspondence is crafted in such a way as to ensure that the credit bureaus and creditors will take notice and react as the law requires them to do so. Drafting correspondence in an expert manner is of utmost importance. As anyone who has attempted to dispute their credit without having a full knowledge and understanding of the law and strategies will tell you, this is a task more difficult than it appears. The same federal law that protects you, also provides some loopholes for the credit bureaus and creditors. According to these laws the bureaus can refuse your request to investigate a dispute under many circumstances. In fact, our experience shows that a very large number of consumer written letters are ignored by the credit bureaus. After our expertly drafted correspondence has been received by the credit bureau, the law requires them to investigate the claim within a 30 day period and either verify or delete the information. At the conclusion of their investigation, you will receive a copy of their results along with a new copy of your credit report. Upon receipt of this information you should make a copy for your records, and then you must forward the originals to us. Based on our analysis of this new information we will continue to repeat the cycle of optimizing your credit. The law requires that each and every disputed item must be accurate and verifiable for it to remain on your credit report. If the credit bureau investigation shows that the item is only somewhat inaccurate, they have the option of changing the item to reflect it accurately. Most times however, items that are disputed cannot be verified for a myriad of reasons, the creditor may no longer have the information or does not want to expend the resources to verify it. Because of the protections provided by the federal law and the expertise of Centurion Law Firm, properly disputed items are removed with great frequency. IS DISPUTING ITEMS LEGAL? Absolutely. Your right to dispute items on your credit report is explicitly granted by the United States Congress in the Fair Credit Reporting Act (and other laws). Unfortunately, because it requires extra work to investigate as the law mandates, the credit bureaus would have you falsely believe that there is something wrong with disputing items even though it is absolutely within your rights to do so. Disputing items on your credit report is as legal as pleading “NOT GUILTY” in a court of law. HOW LONG WILL IT TAKE? It would be unethical for any lawyer or law firm to either guarantee a particular outcome, or promise a particular result by a certain date. We can however give you a general idea based on our expertise. Understand, however, that the times quoted are only estimates and the time frame for your particular case may vary. Understanding these disclaimers, we can tell you that many clients see the first dramatic results within 60 days. Your participation will play a major factor in how quickly we can help you achieve your goals. It is imperative that you do the things that you can control, namely forwarding updated credit reports and received correspondence to us in a timely fashion. Other factors that may influence the speed with which we can help you achieve your desired results include the complexity and nature of your case, and the cooperation of those with whom we correspond. WILL DELETED ITEMS REAPPEAR? While rare, there are times when a creditor will eventually verify information that has already been deleted from your credit report. The federal law requires a credit bureau to inform you prior to re-listing a previously deleted item. This same federal law makes it more difficult than ever for a credit bureau to re-list a deleted item. Therefore, although it is technically possible for a deleted item to reappear on your credit report it is highly unlikely. Don’t worry, if an item reappears on your credit report we can again dispute it at a future date and work towards a permanent deletion. SHOULD I CONTINUE TO PAY MY BILLS? Whether an item is deleted from your credit report or not, if the underlying debt is still owed you are still responsible for it. Removal of such an item from your credit report is only a temporary solution. If the debt is still accurate and owed, the creditor or collection agency can, and most likely will, re-report the item to the bureau. IF I PAY MY BILLS, WILL MY CREDIT IMPROVE? Although this makes sense, it unfortunately doesn’t work this way. In reality, when you pay down an existing debt the negative item in your credit report doesn’t go away with the debt. Instead, when you pay this debt the creditor will report this payment late and the seven year time period will re-start. So even though you paid, they will report it as a late payment. Even worse, generally a current negative listing is not treated any better than an unpaid negative listing. Therefore, you get no bonus points in respect to your credit report for doing the right thing and bringing your account current. The only real solution is to both work towards optimizing your credit while at the same time fulfilling your payment obligations to your creditors. ARE YOUR SERVICES GUARANTEED? Again, it is unethical for any attorney or law firm to guarantee the outcome of your case. There are just too many factors involved for us to tell our clients with certainty what will happen. We do guarantee however, that we will work your case with maximum diligence. We gauge how well we are doing on the success of our clients. We are so confident that we will provide superior service and results that we offer a risk free warranty. DO I HAVE TO USE A LAW FIRM TO REPAIR MY CREDIT? While we all have the ability to do amazing things, many times we may choose to have someone else do the hard work. If you spent significant time researching, studying and testing out strategies, you could probably do some of the things that Centurion can do for you. Optimizing your credit on your own is similar to representing yourself in court, yes you can do it, and you have the right to do it. Most people however, understand that having an attorney represent them is a better choice. The job of the attorney is to be well educated, well researched and be a zealous advocate for your rights. In addition to being well prepared to protect your rights, utilizing our services will also save you tremendous amounts of time and grief. Trust us when we tell you that trying to develop and implement a plan to keep track of and correspond with numerous credit bureaus in a timely fashion is difficult. We have developed a set of procedures and software to make this task as efficient as possible while providing the greatest results for the customer. Therefore, we believe in you and we are there for you, but we also believe that if you have the time and knowledge to try and optimize your credit on your own requires, then go for it. WHAT ABOUT CONTACTING MY ADVOCATE? After you retain Centurion Law Firm you will receive a welcome e-mail with important contact information. You will always be able to get a hold of our offices and advocates who can help you with any questions you may have. During the course of our attorney/client relationship be assured that we will be there for you.  ^ back to top |
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