Attorney-Backed Credit Report Repair
Twenty years ago, investigating fraud on a credit report was difficult. However, times have changed. Today, we’ve helped over 10,000 customers achieve meaningful results. These include securing settlements, addressing lawsuit violations, participating in class actions, and removing, forgiving, or deleting millions in reported debts.
Because of our strong track record, there’s no better time to begin your journey toward better credit.
Everyday Consumer Credit Problems
Credit challenges can affect anyone. Below are common issues we resolve daily:
Security Clearance Issues
Security clearance complications can threaten careers. Our team offers specialized support to help you keep your clearance and protect your professional future.
Misreported Payment Status
If an account in good standing appears as late or missed, your credit score can drop. These errors often result from rushed employee work or system glitches. Since every credit point matters, we work quickly to correct these records.
Bankruptcies
Filing for bankruptcy significantly damages your credit. It stays on your report for 7–10 years and warns lenders that you may be a high-risk borrower.
Charge-Offs
When a creditor gives up on collecting a debt, they mark it as a charge-off. This action lowers your credit score and suggests poor payment history.
Collections
When accounts go severely unpaid, creditors may assign them to collection agencies. These accounts then appear separately on your credit report and can drastically reduce your score.
Credit Inquiries
Lenders make hard inquiries when reviewing your credit for a loan or credit card. Although minor, too many inquiries can negatively impact your score.
Judgments
If a creditor sues and wins, they may get a judgment to collect the debt. This legal action significantly harms your credit report.
Late Payments
Each missed payment adds a negative entry to your report. This signals poor credit management and can reduce your chances of future approvals.
Liens
Unpaid liens tell lenders someone else can claim your assets. Consequently, this lowers your score and your chances of borrowing.
Repossessions
If you default on loans like auto financing, the lender can reclaim the item. This leads to serious credit damage and long-term score impact.
When Corporate Fraud Calls for Legal Action
Sometimes, fixing credit goes beyond disputes—it needs legal backing. Here’s where our attorney-led team steps in:
Duplicate Reporting
One account may appear multiple times, sometimes marked incorrectly. These errors can occur due to mistakes by creditors, collectors, credit bureaus, or automated data systems. Unfortunately, inaccurate duplication damages your score and reduces your purchasing power.
Commercial Contract Violations
Our legal team identifies violations in business contracts and negotiates resolutions. We help protect your commercial interests and restore your standing.
Incorrect Personal Information
Mistakes in names, addresses, or Social Security numbers can block loan approvals. For example, mortgage lenders require accurate records to verify your score. We correct these details so you don’t face denial due to preventable errors.
Unknown Tradelines and Collections
Fake or unfamiliar accounts may appear on your report. These often signal identity theft or data breaches. With proper documentation like a police or identity theft report, we help you remove these accounts.
Outdated Accounts
Old debts should automatically fall off your report after a specific time. However, we’ve seen many reports retain expired data. Our team works to ensure outdated accounts get deleted properly.
Unauthorized Hard Inquiries
Some companies check your credit without permission. Although lenders must get your consent, many don’t maintain records. Additionally, bureaus like Experian, Equifax, and TransUnion often sell your data, leading to unauthorized pulls. We challenge these inquiries on your behalf.
Data Management Errors
Payment misapplications and faulty account transfers can distort your report. We trace and correct these errors to reflect accurate activity.
Re-Aging of Old Debts
Some creditors improperly reset the date of last activity, making old debts appear new. This tactic makes accounts look more recent—and more harmful. We challenge such re-aging practices using legal strategies.