Credit Repair

What is Credit Repair? 

Under the Fair Credit Reporting Act {FCRA), every consumer has rights related to their credit report:

  • Equifax, TransUnion, & Experian must provide free credit reports to the public & individuals are permitted to request that inaccurate information be moved from these reports
  • Consumers are given the right to dispute any entry that is incorrect, incomplete, or untimely these dis- putes must be investigated within 30 DAYS for credit agencies to comply with the law a credit repair company can file these disputes for you 
  • Since only incorrect information & information that is well passed it’s “expiration date” can be fixed, beware of fraudulent credit repair companies who claim they can wipe your report clean within a matter of days or for a significant fee upfront the dispute process takes time, avoid being coerced into deception

NOTICE: Attorney advertising; Attorney licensed to practice law in California only; Not intended as legal advice; No attorney- client relationship created hereby.