Paying for credit repair today is like paying internet service at a coffee shop. There is no need to pay for it any longer. Our law firm will draft up to 3 dispute letters for you, for free. There are 3 credit bureaus and we will dispute anything on your credit report for which we have a legally viable theory to dispute, for free.
How we get paid
Legally viable??? What are you talking about?
Credit repair companies are notorious for drafting baseless disputes to the credit bureaus. Because credit bureaus and creditors have 30 days within which to review your dispute and decide whether the tradeline is accurate, they flood the credit bureaus with dispute letters. Most of the time these disputes are baseless. Some credit repair companies will dispute everything negative on your credit report irrespective of whether you have a good faith basis for doing so. Other times, they will simply deny that the debt belongs to you. Either way, the credit bureaus cannot evaluate these disputes within 30 days so they remove the tradeline from your credit report. But guess what? When they do get around to reviewing these disputes, they put that negative item right back on it.
We only draft disputes for which we have a good faith basis to deny the accuracy or legitimacy of a tradeline or collection item. Believe us when we tell you that there is no shortage of ways to find and dispute incorrectly negative items on your credit report.
Your credit report probably has negative items on it that don’t belong there.
One study has shown that up to 80% of all credit reports have errors and mistakes on them. Half of these errors can depress your credit score. Unless you read credit reports for a living like we do, chances are excellent that there are negative items on your credit report that don’t belong on it.
We don’t make money sending dispute letters out on your behalf. If we are able to fix your credit report without filing a lawsuit, then your credit reports will have been fixed for free. We make money when we dispute negative items that are legally viable basis and the credit bureaus do not update or delete the items. We then sue them and the creditor for damages on your behalf. This process also does not cost you anything out of pocket. We only look for the payment of our fees from the settlements that we obtain on your behalf. If we are unable to get any settlements, then we don’t get paid. No one is happy if that happens. However, we have a good track record of finding items on credit reports that have a legally viable claim for update and removal. Again, it costs you nothing out of pocket to hire and use us.
Don’t the Credit Bureaus do as you say because you are lawyers?
No, it does not work like that. However, because we do let them know that we are representing you, they do take your dispute letters much more seriously than those that come from credit repair companies or off the internet. We don’t always see eye to eye with the credit bureaus or the creditors with respect to what constitutes false reporting. But when we sue and settle with them, we make every effort to get the negative item removed from your credit report as part of the settlement along with a payment for attorneys fees and costs and damages to you.
Free and legitimate credit repair is now available.
Join our 3 for Free program at Credit Repair Lawyers of America. We will draft up to 3 dispute letters for you in exchange for your credit report. There is absolutely no charge to you for this as we make our money by suing the credit bureaus and the lenders who screw up your credit report. Our litigation program has no out of pocket charge to you. Call us today at (248) 353-2882 or visit us at www.CreditRepairLawyerSam.com. You can also email us for more information at Carl@crlam.com.