Q&A

Great question. Here’s the easy answer:

Because we are your best option.

As we see it, you have four choices.

• You can ignore everything and hope that the passage of time will result in an 800 credit score.
• You can try to do it yourself….spend a hundred bucks on certified mail and send letters complaining about everything that you think is hurting your credit score.
• You can pay one of the several thousand self proclaimed credit repair gurus or part time hacks out there who claim they can fix your credit for you, in exchange for a fee. Many of these companies operate illegally…without proper registration and bonding…and most have fee structures that violate federal and state laws. You’ve probably seen some of the marketing ploys of some of the clowns out there….you know…the ones who post gold watches and fancy leased cars on social media. We don’t play those games. We’re serious about your credit and your business….and you should be too.
• You can choose to be represented by skilled, experienced, caring lawyers who have a deep understanding and working knowledge of not only all of the state and federal laws which regulate how the industry works, but also how exactly to improve your credit scores.

To most people, the choice is clear.

Every client’s file presents different issues. While some clients will see some results in as soon as 30 days, those fast results will rarely be substantial. It typically takes several months to drive a score from 500 to 700. We have some clients who find that after a couple of months we’ve improved their scores ‘enough’ for them to reach their goal (mortgage approval, car loan, credit card, etc)…and they go on their way. We have other clients who keep us working for many months to get their scores where the want them. An average client will see results in 30-60 days with most clients taking 4-8 months to increase scores to the level they desire.

Our clients must subscribe to a reputable credit monitoring service in order for us to receive and integrate their credit reports into our system. We use the services of IdentityIQ for your credit report and monthly monitoring. Once you subscribe to IdentityIQ credit monitoring ($24.99/month) we will receive your reports. You then will receive a FREE legal/credit analysis. We will give you a detailed report that explains what is lowering your credit score and what can be done to increase the score. If you decide you like the direction outlined, the legal fee is $129 per month. You can cancel your service at any time. You are not charged a fee until work is performed.

Once you complete the sign-up process, we will begin working on your credit report to remove any inaccurate information. We will schedule your initial “client intake” by phone. This call takes about 30-45 minutes as we will review the strategy that we believe we will need to deploy in order to repair your credit.

Most people find a period of at least three months is necessary while some stay in for up to nine months to effectively increase their scores.

Before we can begin working as your credit repair lawyers, you will need to subscribe to the credit monitoring service called IdentityIQ .

This service gives you (and us if you authorize it) access to all of your credit reports.

We need your current reports to begin and we need systematic access to your reports so that we can gauge the effectiveness of our efforts on your scores.

You will be able to login to our portal to see the progress we are making on your file.

Yes, this is what you get with IdentityIQ and it allows you and us to see what all three of the major bureaus have reported in a single report.

We develop a strategy specific to you once we audit your credit file. In some cases we dispute several items “at once”, while in other cases we have to use a strategic approach which can take several attempts. Sending 20 dispute letters claiming the 20 listed debts aren’t yours wont help you. You need to believe and trust that, as experienced credit repair attorneys, we know what we’re doing. If we can repair your credit in 30 days we’ll do it!

Your personal information will not be shared with anyone. The only time information is shared would be with an affiliate lawyer or paralegal who is a part of the dispute process.

That’s the goal of most of our clients! And Yes!, By increasing your credit scores with the removal of inaccurate information, you will have a better chance of being approved for a home loan.

Yes, when necessary we will dispute inaccurate information with collectors and creditors in addition to the credit bureaus.

Sure, call us (800) 674-7897 !