Credit repair services address increasing poor credit scores through disputing errors on your credit report or developing strategies that demonstrate responsible credit use that will increase your credit score. Increasing your credit score can help you obtain home and auto loans and get you favorable interest rates on those loans which could save you thousands of dollars.
If you are interested in developing strategies to increase your credit score, you can meet with one of the attorneys at DelCotto Law Group to discuss your credit score concerns. Our attorneys will discuss with you and provide you a packet on how to understand your credit score and effective strategies to increase your credit score. The attorneys at DelCotto Law Group can also assist you with creditor violations of the Fair Credit Reporting Act for reporting inaccurate information to the consumer reporting agencies (e.g., TransUnion, Experian, or Equifax).
Before you can assert a claim under the Fair Credit Reporting Act, one must initiate a dispute with the consumer reporting agency that is reporting the inaccurate information on one’s credit report. Under the Fair Credit Reporting Act, the consumer reporting agencies are required to promptly transmit a dispute to the creditor that is reporting the inaccurate information. If the information is not corrected within thirty days, then a debtor is free to sue the creditor (and the consumer reporting agency under certain circumstances) for reporting inaccurate information to the consumer reporting agency. The Fair Credit Reporting Act is a powerful tool to use to correct inaccurate information on a credit report. We can assist you in initiating a dispute with a consumer reporting agency. For more information and to set up a consultation, please call (859) 231-5800, [email protected] or reach us on our contact page.