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How exactly is my credit report repaired?
Once you have retained the eCreditAttorney team to optimize your credit report your personal credit advocate engages in an initial analysis of your file to determine the optimal course of action. Once this determination has been made by your personal credit advocate they will contact you and share with you their results and offer their recommended course of action. Once you have approved the course of action, your advocate will immediately begin implementing the dispute process using all of their knowledge and experience to professionally draft and send correspondence directly to all three credit bureaus. The manner in which all correspondence is drafted has been carefully crafted over many years to ensure that both the bureaus and your creditors MUST take notice.
The precise nature of the correspondence that is sent on your behalf is a key ingredient to the success of your case. The same Federal laws that protect consumers have also left open several large loopholes that provide credit bureaus and creditors the ability to deprive you of many of the protections that the law was intended to provide you with. The manner in which the laws have been drafted provide the bureaus with the ability to refuse your requests to investigate a dispute under several different circumstances. In fact, over the years it has become quite apparent that a very large percentage of self-drafted consumer letters are simply disregarded and ignored by the credit bureaus.
Once our professionally drafted correspondence reaches the credit bureau, the law requires them to fully investigate the claim within a 30 day period and either elect to verify or delete the disputed information. Upon the conclusion of the bureaus investigation a copy of their results accompanied by a new copy of your credit report will be sent directly to you. Once this updated information is received we ask that you make a copy of the information for your own personal records and send the originals directly to us. Based on a careful analysis of this new information our team will continue to fight to optimize your credit until you are 100% satisfied with the results.
Federal law requires that every item on your credit report must be accurate, verifiable and non-misleading in order for it to be properly presented on your credit report. If the bureau investigation reveals that the disputed item is only partially inaccurate, the bureau has the option of changing the disputed item to reflect it accurately. However, in most situations the items that are being disputed cannot be verified for numerous reasons such as a lack of information or the creditors simply determining that it is not worth dedicating their resources to supply the required verifying information. It is for these reasons that with proper enforcement of the available Federal laws the eCreditAttorney team can optimize your credit.
Is it legal for me to have you dispute items?
Absolutely. The United States Congress, through the Fair Credit Reporting Act and the Fair and Accurate Credit Transactions Act, has specifically granted you the right to legally dispute items on your credit report. Credit bureaus spend a lot of time and energy attempting to convince consumers that they do not have the right to challenge items on their credit reports, but this is simply not true. The ability to dispute items on your credit report was granted to all consumers by the United States Congress for the purpose of providing consumers with the ability to protect their most important financial asset, their credit.
How long does the process take?
It would be misleading to guarantee a precise outcome or time frame for a particular case. What the eCreditAttorney team can offer is an estimated time of the results you can expect to see. Although the results of each individual case can vary, we feel confident stating that a large percentage of our client’s see dramatic results within 60 days from our initial contact.
Your initial and continued involvement plays a significant factor in how quickly we can optimize your credit. Crucial to our process is your continued participation in the areas that you control, namely providing us with updated credit reports and all correspondence received from the bureaus. The complexity of your case and the cooperation of all those whom we correspond with on your behalf also vary the speed at which we can achieve providing you the financial freedom you deserve.
Can deleted items reappear?
In very rare circumstances a creditor may verify information that was previously deleted from your credit report. However, under Federal law a credit bureau is required to inform you prior to re-listing an item that was previously deleted. Rest assured that Federal law has made it extremely difficult for a credit bureau to get a deleted item re-listed. With that being said, while it is possible, it is highly unlikely that this will take place. You can also be assured that in the rare event that a previously deleted item is re-listed on your credit report we will continue to be here to service your needs and ensure your legal rights are being properly enforced.
What about paying my bills?
Regardless of if an item is deleted from your credit report or not, if the underlying debt is truly owed you still remain responsible for paying it. Having the item removed from your credit report is only a temporary solution. If the debt is in fact accurate and owed, it is likely that the creditor or collection agency will re-report the item to the bureau.
Is it true that if i pay my bills my credit will improve?
While this would be great if it were true, the reality is that it may be false. Paying down your debt may not result in removing negative items from your credit report. In reality when you do actually pay the debt your creditor reports the payment as late and the seven year time period re-starts.
The harsh reality is that a current negative listing is not treated any better than an unpaid negative listing. This results in the brutal reality that you get no favorable treatment with regards to your credit report for doing the right thing by bringing your account current.
The best solution is to let us work to optimize your credit while at the same time you attempt to fulfill your payments obligations to your creditors.
Are your services guaranteed?
While it would be unethical for any organization to guarantee that it will achieve a certain result, what we do guarantee is that our team will work on your case with the utmost diligence. Our success is measured by the results that we achieve for our clients.
Our confidence in the results you can expect are so high that we offer a FULL REFUND POLICY*
Is use of an attorney to repair my credit required?
While each and every one of us has the ability to learn certain specialties, often we choose to have an experienced professional complete certain complex tasks on our behalf. If you were to spend a substantial amount of time developing and testing strategies comparable to those our team has devised after many years of experience you could probably accomplish some of the things that we offer you.
Attempting to optimize your credit yourself would be comparable to representing yourself in court. That being said, yes you are legally entitled to do it, however most people recognize the importance of the issue and the level of experience necessary to achieve their desired results and determine that having a team of experienced attorneys represent them is the better choice.
Your choice to have our team of attorneys represent you will likely lead to better results while at the same time saving you a tremendous amount of time, grief and money. Don’t be fooled, this process is incredibly time consuming and very complex. As our client you are the recipient of many years of experience and an ultimate process that has proven highly effective for thousands of our previous clients.
What about contacting my advocate?
Upon your decision to retain our services you will receive an introductory email with important contact information. We are always here for you to get a hold of to assist with any questions you may have. You can rest assured that throughout the course of the attorney/client relationship we will be here to serve you in every way we can.
Will my case be handled by an attorney?
Absolutely. The eCreditAttorney team ensures that your case is handled by only the most qualified attorneys in the field. Once you have signed up for our service a retainer agreement is executed. Upon the completion of the retainer agreement the powerful attorney-client relationship begins. However, it is important to note that until the retainer agreement is completed our attorneys by law are not allowed to provide any legal advice.
Are there benefits to using a law firm?
Absolutely no question about it. Many companies who hold themselves out as organizations capable of repairing your credit actually have no business at all in this field. The truth of the matter is that the laws that have been drafted by the United States Congress are complex and require a detailed legal analysis and the proper implementation of an effective strategy that only an experienced attorney can best offer.
Retaining The eCreditAttorney Team to enforce your legal rights has benefits that our competitors simply cannot offer including:
- As licensed professionals our attorneys are held to an extremely high level of scrutiny, resulting in a worry free experience for our clients
- Years of experience in the legal field have provided our attorneys with the ability to aggressively fight for your rights by using the unique skills only a highly educated and trained attorney could offer
- Preservation of all confidential information via the attorney-client privilege
- And our ability to offer all of the same non-lawyer services that our competitors have to offer
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The team of lawyers that will personally handle your case are hands down the most knowledgeable lawyers in the country in this particular area of Federal Law. After many years of enforcing these particular rights for thousands of clients the attorneys on our team have become the envy of the entire legal community.
Does it matter where I live?
The location of your residence does not play a factor in our ability to provide services to you. The eCreditAttorney team is limited to the pre-litigation enforcement of consumer rights under the Fair Credit Reporting Act and the Fair and Accurate Credit Transactions Act and various other Federal laws. The rights that are enforced on your behalf are Federal in nature, and subsequently are available to most, regardless of the particular state you live in. Please note that some states may have other rights and remedies available that we will not be able to provide you assistance with. Due to certain laws in the State of Louisiana we are currently unable to offer our valuable services to Louisiana residents.
What Other Services Do You Offer?
The eCreditAttorney team believes that your credit is the most important financial asset you have. For this reason, the eCreditAttorney team has decided to limit its’ practice to the pre-litigation enforcement of consumers rights as granted by the United States Congress in the Fair Credit Reporting Act and Fair and Accurate Credit Transactions Act.
By limiting our practice to this area of Federal law, we have become some of the most knowledgeable lawyers in the country on matters related to your credit report and have devised the most effective methods available for optimizing the information that
appears on it.
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