We fix credit reports for free. Here is how:
As Credit Repair Lawyers, we file lawsuits to repair credit under the Fair Credit Reporting Act. Under this statute, the companies that are responsible for damaging your credit report are held responsible for paying damages to you plus our fees and costs. We focus on fixing errors and mistakes on credit reports.
Did you know that 80% of all credit reports have errors on them? Half of those errors depress the credit score?
Which half are you in?
As credit repair attorneys, we fix errors and mistakes on credit reports and we do it for free.
Here is Credit Repair Lawyer Gary Nitzkin, talking to his dad, explaining how we fix credit for free. The law allows us to collect our fees and costs from the credit reporting agencies like Experian, Equifax and Trans Union and from the lenders that put the bad information on your credit report.
Common Causes for Credit Report Errors
This is still one of the fastest growing crimes in America.
Mixed up information
This kind of error occurs between different people with the same name. For example, Bob Smith who lives in Montana may have his credit information placed on Bob Smith who lives in Arizona. This is a very common mistake. This also happens a lot between fathers and sons with the same name, especially when they both live under the same roof.
Discrepancies among credit reporting agencies for the same debt
One credit reporting agency may report a debt as current while another might report it as delinquent.
Delinquencies that are reported longer than 7 years
Generally speaking, derogatory credit information has to be removed from your credit report after 7 years from the date of first delinquency. Sometimes a debt buyer or a collection agency may re-age the date of last delinquency so that negative information stays on your credit report longer than seven years. In 2004, the Federal Trade Commission hit NCO Financial Systems with a $1.5 million fine for doing this very thing. It’s illegal.
Put our 26+ years of experience on your side
We have been in business since 1990 and fixing credit since 2008 when we discovered so many damaged credit reports among consumers. Since we started fixing credit and suing debt collectors, we have filed thousands of lawsuits to help people fix their credit. We have a very high degree of success. We get monetary damages for our clients and it does not cost them a dime.
If you have errors or mistakes on your credit report, call us for a free no obligation consultation. If you are unsure, lets take a look at your credit report together. Call Attorney Gary Nitzkin at 404-591-6680 or email us at email@example.com.
It was very easy to talk with Gary. He explained what happened to us and then contacted the bill collector. We didn’t have to do anything…Gary made the debt go away completely. Gary’s office was very efficient. They just took care of us. He told us to relax and he’d take care of it, and he did.
The creditor continued to put hard hit inquiries on my credit report after bankruptcy. Gary forced them to remove all the negative inquiries that were causing my score to drop. Gary was very knowledgeable and gave me his undivided attention. He told me with confidence that we’ll win this and he did! He knew how to stop them. I liked Gary because he broke down the language so I understood the lawyer talk. He did what he said he would do in a timely manner.
His website is very professional. After going through the site, I was sure he was the attorney for me. He exceeded my expectations. He has a certain presence. He’s a big man. A direct man. Hospitable. I was glad he was for me and not against me. If I was the defending attorney, I would look to settle. Gary’s got his ducks in a row.
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