Credit Restoration

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Credit Repair is a program wherein the Tancredo Law Firm, can help persons who wish to repair or improve their credit rating. In the United States, there are three credit reporting agencies: Equifax; TransUnion; and Experian. If you have a credit card, mortgage, automobile loan, medical bills, or most other types of debt or credit, it is likely these matters were reported to one or all of the credit reporting agencies. Credit Repair can be beneficial in many cases. For example, many creditors will mistakenly report one account numerous times on a credit report, which has a negative effect on your credit score. Credit Repair will remove the duplicate reports. Credit Repair can also remove any remarks on your credit report that are inaccurate, untimely, misleading or unverifiable. 

Our attorney can dispute information that is inaccurate or outdated. Our services include analyzing your Credit Report, determining what information can be disputed, and taking the necessary measures to have that information corrected on your Credit Report. We will also advise you on the various measures necessary to improve your Credit Rating, such as obtaining pre-paid or secured credit cards, and secured bank loans. 

Hiring a credit repair attorney can be especially helpful if you have multiple items to dispute with each bureau, or in cases where extensive research needs to be completed to properly support a dispute. Additionally, contacting a law firm means you’ll have a legal attorney/client relationship with your credit repair provider. This can be beneficial in a number of situations, like if your credit repair situation is extensive enough to require filing for bankruptcy ore creditor takes legal action against you. Having a lawyer already familiar with your problems may smooth the road and help make an unpleasant situation a little easier.

Many of our clients who file Bankruptcy are interested in repairing and reestablishing their credit after their Bankruptcy is completed. For our clients who have filed Bankruptcy, we will assist the debtor in getting his credit report from all three credit reporting agencies. Many of the debts that were included in the Bankruptcy may not designate that these debts were Discharged in the Bankruptcy. Credit Repair involves taking measures to correct the information on the credit report so that the report reflects that all the debts of the debtor are listed as included and Discharged by the Bankruptcy. After ten (10) years, the Bankruptcy should no longer be listed on the debtor’s credit report. The credit reporting agencies, however, do not usually take proactive steps to remove the Bankruptcy from the credit report. Through credit repair, the Bankruptcy can be removed from the credit report. After we have taken the measures to repair the credit, we will pull another credit report and review the report together to ensure that remarks on the credit report, have been corrected. If those remarks have not been corrected, we will take additional measures to correct those remarks.