Understanding What a Credit Repair Lawyer Can Do for You

Battling a poor credit score? Don't despair, you do have options. If you've spent any time trying to dispute credit report errors on your own then you probably already know what a credit repair lawyer can do for you. If you haven't started the journey to repairing your credit yet then pay close attention to this article, I'm going to share how you can save yourself a lot of time and headaches.

As a consumer you have the right to request a copy of your credit report for review. If you've done this before then you might have already spotted an item or several that aren't correct. Don't be surprised, statistics on some web sites state that 7 out of 10 credit reports contain some form of incorrect reporting. The fact is that sometimes it's this incorrect reporting that can make the difference between you having an excellent or a poor credit score.

How can a credit repair lawyer help?

You of course have the right to contact credit bureaus directly and attempt to dispute credit report errors. For some this can sometimes work, how ever it's a long drawn out process that is tough to navigate for the average person.

The benefit of hiring a credit repair law firm is they do this every day. Credit repair lawyers are experts on disputing credit report entries, and are very successful at it. You and me, we have day jobs, hobbies, families and everything else we have to do on a day-to-day basis. So how can we become experts in removing items from credit reports? We can't. So by using a credit repair attorney you increase your chances of success dramatically in getting negative items removed from your credit report.

The Credit Repair Process

After making the decision to have a credit repair lawyer represent you to the bureaus you must complete a couple of tasks.

1. You must first submit your credit score (credit report) from all three credit bureaus (Equifax, Trans Union and Experian). You must initiate this process since credit bureaus will only correspond directly with you and not your law firm.
2. You then must select which items you want to dispute ton your credit report. With credit repair lawyers such as Lexington law, they offer an online database system where you select what items to dispute with a simple point and click of your mouse.
3. Your credit repair lawyer will then begin working the case. This is where a credit repair law firm shines, they have an arsenal of tools to draw upon to dispute the questionable items on your report, and are far more effective and knowledgeable then you or I could ever be. The time frame for this portion of the process depends on the number of  items you're trying to remove.
4. Credit bureaus have 30 days to investigate the claims made from your lawyer. After that they must contact you about the result, and update your credit report accordingly.

How to choose your Credit Repair Lawyer

Consumers are protected from credit repair scams today more then ever. There are some important points that you should watch out for when choosing a credit repair service. If someone suggests you do any of the following you should think twice before doing business with them.

1. Avoid anyone who suggests you change social security numbers or use an EIN tax number to start a new credit file. This is illegal and considered lying about your personal information
2. Recommends disputing every item on your credit report. The Fair Credit Reporting Act states that only inaccurate and/or misleading items should be disputed.
3. Charging for services not yet been completed.

I suggest you take a moment to review Lexington Law. When it comes to hiring a credit repair lawyer more people choose Lexington then anybody else. They removed over 600,000 negative entries from clients credit reports last year alone. They have a toll-free number you can call on their site so you can speak with one of their representatives right away.

Related Topics

• Choosing the Best Credit Repair Law Firm
• Lexington Law Credit Repair Services