Our Las Vegas credit repair attorneys can help you address errors in your credit score and improve your overall credit rating. If you’re tired of overpaying on high-interest rates or being denied outright for loans and credit that you need for your family, it’s time to take action. Our credit repair lawyers in Las Vegas are ready to help you repair your credit and raise your score.
A U.S. government study reports that there are errors in as many as 23 percent of all credit reports. You depend on your credit score to get a fair interest rate on a loan. A bad credit score can impact every area of your life. When there’s inaccurate information in your report, it can stand in the way of getting the fair treatment that you deserve.
What Can I Do About Mistakes in My Credit Report?
Fortunately, you don’t have to accept a bad credit score. You can take steps to correct inaccurate information. Creditors have to report the right information. When they make errors accidentally or intentionally, our team of credit repair lawyers in Las Vegas can help you work quickly to make amends. The laws really are on your side! Creditors may be subject to penalties for errors in your credit report.
How Can a Mistake Occur on a Credit Report?
Because credit reports are so important, it may seem like creditors would go out of their way to make sure that your credit report is accurate from the beginning. Unfortunately, mistakes in credit reporting are too common. Here are just some of the ways that credit report mistakes can occur:
Identity theft – When someone else steals your identity to get credit, their activity can appear in your credit report. Identity theft is especially problematic because the person who steals your identity in the first place isn’t likely to use it responsibly. Identity theft can victimize you in multiple ways including creating inaccuracies in your credit report.
Mistaken identity – In the United States, it’s not uncommon for people to have the same name and even the same birthdate. Someone else’s credit report might become associated with your account.
Inaccurate information – Sometimes, credit information is just wrong. A creditor may report your account as delinquent when it’s current. There may be discrepancies between reporting agencies. Credit repair can help you set the record straight.
Delinquency still on your report – Under U.S. law, a credit delinquency can only stay on your report for a certain period of time. After the limit has passed, the delinquency must disappear from your report to give creditors a fair picture of your current creditworthiness. Too often, creditors don’t follow the law when it comes to determining the right date to remove unflattering information from your credit score. The result can be that your credit score is inaccurate. We can help you hold a creditor responsible for failing to remove a delinquency from your account.
What Kinds of Debts Can a Credit Repair Law Firm Help Me With?
Many kinds of debt may be listed on your credit report. Our experienced legal team can help you with any of the following types of reporting errors:
- Delinquent accounts
- Short Sales
- Write off/Charge off
- Late payments
- Inquiries into your credit report
- Other types of credit inaccuracies
If your credit score is standing in your way, let’s review your report for inaccuracies. We can look at ways that things on your credit history may be unfairly lowering your score.
How Can the Fair Credit Reporting Act Help Me With My Claim?
The Fair Credit Reporting Act (FCRA) is a strict, federal law that gives consumers important rights when it comes to their credit score. If there’s inaccurate information on your credit score, the company that reports the bad information must fix it immediately. If they don’t, you can bring a legal claim against them for penalties.
What’s the Process for Improving My Credit Score Through Credit Repair?
When you work with our attorneys, we offer you an immediate consultation and review of your credit score. If there’s inaccurate information, we can work on your behalf to remove the information from your credit report. You may have inaccuracies on your report that you don’t notice. Our experienced team can help you see what needs to be corrected in your report.
What Does a Las Vegas Credit Repair Attorney Do?
Our team contacts the responsible creditor to ask them to correct the inaccurate information. With our experience working on your behalf, many times a letter is all it takes to get the creditor to do the right thing. If the creditor refuses to correct wrong information, we aggressively pursue your claim on your behalf.
The law requires creditors to remove wrong information. When they don’t follow the law, you can bring a legal claim. Your legal claim can include a request for damages, court costs, and even attorney fees. Our credit repair lawyers in Las Vegas can make sure that you include all of the possible types of damages that you may recover in your claim.
What Does It Cost to Hire a Las Vegas Credit Repair Lawyer?
If you need credit repair, we offer up-front, flat fees with payment plans. After all, if you need credit help, you also need understanding lawyers who accept reasonable payments. Let us show you just how affordable our credit repair services can be. We’re proud of our success rate, and you only pay for the services that you need. Ask us about our money-back guarantee.
Does Credit Repair Work?
Are you tired of credit mistakes standing in your way? Let us show you how credit repair can correct errors in your credit report. Our team can help you evaluate your credit report. If there are mistakes in your report, we can take action for you. You’ve lived with credit mistakes long enough. Contact us today for a free consultation about your claim.
*Certain restrictions apply. Client must supply all requested documentation upon request and must allow HPL 180 days from the date those documents are supplied to remove any particular item. Refund does not include 20% Service Fee for work performed.