It may be possible to get a negative tradeline reporting from your credit report after you receive an IRS Form 1099c. Many residents of Georgia have had debt forgiven and have received numouers 1099c from banks, credit union and credit card companies. Even after they receive them, the credit bureaus seem to still report these [...]
So you found a fraudulent charge on your credit card statement with Chase? Disputing a charge with Chase sounds simple, but there are pitfalls you need to know about. Since online shopping and credit card use are both used over the internet, its no wonder that credit card disputes are so rampant. What is equally [...]
Your credit is the most important tool you have to manage your lifestyle. In fact, your home, car and job are often determined by your credit score. When your credit gets damaged, many people wonder how much should it cost you to fix your credit? The answer, like most things is…it depends on what you [...]
With so many lawsuits being filed by the Federal Trade Commission and the Consumer Financial Protection Bureau against credit repair companies, those in Georgia may wonder, are credit repair companies legit? The short answer is, yes, but very few of them are. The latest credit repair companies to get sued by the FTC and the [...]
At Credit Repair Lawyers of America, we often get asked whether “credit repair companies work” in Georgia. It’s a complicated question depending on who is doing the credit repair and what things you expect to be removed from your credit report. Lets dig in. For Credit Repair to be effective in Georgia, the letter must [...]
Credit repair companies in Georgia come in two flavors; those who play by the rules and those who don’t. It’s hard to tell the difference these days, even in the age of Google since reviews can now be purchased from strangers who have had no experience with the company they are reviewing. So what kinds [...]
A good credit repair company can help you boost your credit score, especially when it's being held down by inaccurately reporting negative information. Most credit reports have inaccurately reported negative information on them. Under the law, it's your job to stay to review and keep your credit report clean. Unfortunately, there are a lot [...]
Like anything else, you can repair your own credit report, if you know how. As an attorney, I can tell you that after years of credit repair litigation that credit repair is not a good DIY project. While I am happy to share some of the principles that you die-hard DIYers should know, there is [...]
If you are asking about how credit repair works, you are no dummy. It’s an excellent question. It’s a multi-step process that works like this: Here's the Multi-Step Credit Repair Process For Dummies 1. In Georgia, you should pull your credit reports and review them for inaccurate or unverifiable information. These are two separate concepts. [...]
Shopping for credit repair services in Georgia can be tricky. The industry is rife with thieves, charlatans, and con artists. Yet, there are also some very legitimate players as well. So how can you tell a legit credit repair company from a non-legit one? Follow these rules, and you will be able to find a [...]
Credit repair is a service that is desperately needed. The credit bureaus report inaccurate information on 80% of credit reports. Half of those inaccuracies depress peoples’ credit scores. If you have a common name like “John Smith”, there is a good chance that someone else’s information is on your credit report. If the other John [...]
Many people, unfortunately, get in over their heads in debt. When that happens, the creditor often agrees to settle the debt for less. Lately, we have been seeing several lawsuits against creditors who continue to report debts that they have settled with consumers as still open and late. This hurts a credit score greatly. When [...]
Last year and 2020 were not great years for Webbank for its customers who had filed for bankruptcy. Numerous lawsuits had been filed against Webbank for improperly reporting a discharged debt or a settled debt as open and late. So Who or What is “Webbank”? Webbank is the bank that finances companies like Fingerhut, Dell [...]
Background The CFPB has accused Lexington Law of violating the Telemarketing Sales Rule. Under the Telemarketing Sales Rule (“TSR”), a regulation created by the Federal Trade Commission (“FTC”) under the Telemarketing Sales Act, credit repair companies: must tell the consumer how long the credit repair company’s services will take; cannot charge “any fee or consideration” [...]
Just last September in 2021, the CFPB filed a lawsuit against Credit Repair Cloud and Daniel Rosen (“CRC”), its owner, for violating the Telemarketing Sales Rule (“TSR”). The TSR prohibits credit repair companies from charging fees in advance of providing and completing services for a consumer. Completion of service is defined as six months after [...]
3355 Lenox Road #750
Atlanta, GA, 30326
Phone: (404) 528-2058
Credit Repair Lawyers of America also serves in the states of Illinois, Michigan, Arizona, Ohio, Kentucky, Georgia, New York, New Jersey, Pennsylvania, and Florida.
Hours of Operation
Mon-Fri 8:00am – 5:00pm
Copyright © 2017 – 2022 Credit Repair Lawyers of America | Sitemap | Lawyer Web Design by MFWD
