• Bankruptcy Solutions
• Foreclosure Solutions
• Modification & Negotiation
• Credit Card Debt Relief

Credit Repair Lawyer & Attorney – Improving Credit Scores Through Strategic Contesting of Credit Reporting

• Goals of Credit Repair
• Right to contest Credit Report
• Who Creates the Credit Reports
• What are the Laws as to Credit Reporting?
• What are the Laws as to Credit Repair?
• What is the General Practice of Credit Reporting Agencies and How Do they Handle Requests for Credit Repair?
• Strategy – System of Negotiated Dispute: Approach to Soft vs. Hard Items.
• Tools for Credit Repair: When is Negotiation Insufficient and a Legal Dispute Leading to Potential Litigation Needed?
• The Effects of Covid-19 on Credit Reporting and Credit Repair
• Why Use Our Office for Credit Repair

Goals of Credit Repair

Goals of Credit Repair – Bring up credit scores by decreasing negative items and increasing positive items. Credit Report deals with any kind of bank debt. Want to be independent.

Right to contest Credit Report

Who Creates the Credit Reports

What are the Laws as to Credit Reporting?

Need Law: how long on C report in NY, dispute/litigation items, what are a consumer’s rights? What can be litigated

FDPRA -needs to be truthful

What are the Laws as to Credit Repair?

What is the General Practice of Credit Reporting Agencies and How Do they Handle Requests for Credit Repair?

Need Law: how long on C report in NY, dispute/litigation items, what are a consumer’s rights? What can be litigated

Strategy – System of Negotiated Dispute: Approach to Soft vs. Hard Items

1. System of dispute – Contesting Items Likely not to be Well Documented or Having Incentivized Creditor Defending and Upholding
2. Softer Items – late pays, older items, smaller items
3. Harder items – judgments, bankruptcies, newer items, private creditors, larger items
4. Strategy – Negotiation AND Credit Repair. We contest soft negative items. Settle hard negative items and then improve the credit based on the settlement. We add strategic positive reporting from friendly accounts where paying timely but not previously reported.

Tools for Credit Repair: When is Negotiation Insufficient and a Legal Dispute Leading to Potential Litigation Needed?

The Effects of Covid-19 on Credit Reporting and Credit Repair

No negative reporting under the CARES Act: need scope.

Why Use Our Office for Credit Repair

Because we can do a range of things: 1) just repair C where error; 2) where correct, settle and then repair; 3) where can’t settle, BK and then repair.

We can also litigate with a creditor to vacate a judgment and then do credit repair.

Can also litigate with Credit Reporting Companies.