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What We Do
FAQs About Our Services
Cost And Warranty
Understand Your Credit
About Credit Optimization

“Armed with my new and improved credit score, I just consolidated my credit card debt at an unbelievable interest rate. I am saving over $1450 per month. Thank you!!!” ˆ

Arman, Kentucky

About Credit Optimization



Can my bad credit be deleted?

Regardless of whatever myths you have heard in the past, the real proof is in the results we have achieved for countless consumers just like you. We are responsible for the deletion and improvement of account information for our clients each and every. The United States Congress has enacted a set of laws that protect consumers by requiring that only good, verifiable and accurate information appear on a consumers credit report. This same law details the rules for how negative information must be investigated and treated should it be challenged.

Our attorney led team is comprised of industry leading experts in this field of law who have developed hands down the most effective strategies available to ensure you are best prepared to achieve your financial goals. We value you choosing our program and our team to be your advocate and will work around the clock to ensure that the credit bureaus and your creditors fully comply with all applicable law and provide you with the protections that the law demands.



Should I trust credit repair companies?

As is true in any industry there are those companies who provide legitimate services that deliver real measurable life changing results, and there are those who will tell you everything you want to hear in hopes of making a quick buck off of you through fraud and deceit. Beware of those frauds who make unrealistic promises. The reality is that we can provide a valuable service and help you achieve your financial goals, but any particular outcome can never be guaranteed.

The eCreditAttorney team guarantees that we will work with you to help you enforce the rights that have been provided for you by the United States Congress. These rights are broad and expansive giving the consumer the tools necessary to ensure a fair and accurate reporting of their credit.

While you remain a client in good standing, we guarantee that we will keep working your case until you are 100% satisfied.



By my failing to act, what is my bad credit financially costing me?

In deciding whether to retain the eCreditAttorney team it may be helpful to see how much your bad credit may be costing you. Our examples below clearly show you that the cost of bad credit is far greater than the cost of the services we provide. If using our service helps you improve your credit and save money then your decision is clear.

Credit Cards
Most “regular” credit cards are not available at all to consumers with less than good credit. The options then for obtaining a credit card are limited to other types of secured debt. These secured cards often require burdensome setup fees, high recurring monthly fees, extremely low credit lines and secured cash deposits. Even worse, most of these cards do not even report all of the positive activity you are engaging in to the credit bureaus.

Auto Financing
You can expect that your payments on a car will likely be between $5,500 and $10,000 more with bad credit over the life of the loan. This extra amount occurs because of the higher monthly payment caused by the unfavorable interest rate you will be given.

If you buy a $20,000 car paid over 5 years:

Credit Type Rate Payment Cost of Bad Payment
Perfect 10% $424.94 $0.00
Medium 14% $465.37 $4,722.54
Severe 20% $529.88 $8,593.30

Home Mortgage
While the effects of your bad credit are dramatic enough when simply buying a car, the effects of bad credit are substantially worse when you attempt to finance a home. It is likely that you will end up paying between $50,000 and $130,000 more in interest when buying a home with bad credit.

If you buy a $100,000 home paid over 30 years:

Credit Type Rate Payment Cost of Bad Payment
Perfect 7% $655.30 $0.00
Medium 9% $804.62 $50,155.24
Severe 12% $1,028.61 $130,791.63




Can you remove bankruptcies and foreclosures?

Every possible kind of issue present on your credit report can be legally addressed on your behalf assuming the right circumstances exist. Bankruptcy and foreclosure related data are definitely more difficult to address however they are just as addressable as any other type of account that is appearing on your credit report in a non-compliant fashion and we strive to deliver the best possible results based on your own unique credit history and corresponding reports. The bottom line is that the Fair Credit Reporting Act and Fair and Accurate Credit Transactions Act provide you with the tools necessary to ensure that all data appearing on your credit report fully meets the specific criteria demanded by these important and powerful laws based on the high level of importance and value given to your credit report and scores.



Can’t I just declare bankruptcy and start over?

BEWARE!! We must alert you of the fact that bankruptcy is one of the most damaging things you can do to your credit rating. When you file for bankruptcy, each and every account that you have will be “included in bankruptcy”. Also, the bankruptcy filing and discharge listing will appear for all potential future lenders directly in the court records section of your credit report. Bottom line, just about every item that is listed on your credit report will instantly become a negative item. Future removal of all traces of the bankruptcy is extremely difficult.



What about changing my SSN or getting an EIN?

There are several unethical and fraudulent companies and individuals that try to sell you on the idea of changing your Social Security Number or getting an Employer Identification Number to set up a new credit file with the credit bureaus. BEWARE of this scam, it is not only very difficult to do, but in most instances it is also completely illegal.



Do issues have to remain on my credit report for 7 years?

This is a myth propagated by credit grantors, collection agencies and the credit bureaus that is simply not an accurate statement. The truth is that if the information that is harming you is improperly on your credit file in any way you have the right and ability to demand immediate investigation into the issues in order to facilitate the immediate removal and/or correction of those issues. You by no way are required to suffer the consequences of such information for a 7 year period (10 years for bankruptcy related data) as you have been given powerful rights to fight on your own behalf to ensure that the data to which is being reported about you meets all of the requirements of the FCRA and FACTA. It is through proper enforcement of these laws that our team is able to assist you in the process of rectifying the issues featured on your consumer credit reports.



What are The Fair Credit Reporting Act (FCRA) and The Fair And Accurate Credit Transactions Act (FACTA)?

The FCRA and the FACTA are the Federal laws that have been passed by the United States Congress granting consumers legal rights to ensure that the credit bureaus follow certain procedures to guarantee that only good, verifiable and accurate information appears on their credit report.

A full copy of the FCRA and the FACTA can be obtained directly from the Federal Trade Commission’s web site.




ˆ The testimonials and results provided are for illustrative purposes only.
As with any legal work, no outcome is promised and your results may vary.

* Terms and Conditions Apply, see our Promise Page for a detailed explanation of our performance based Refund Policy.
If eligible for a full refund client is not liable for any costs.

This is a Solicitation and Advertisement for services offered by attorney Thomas J. Candella

Fees collected only after the agreed upon work has been performed.
The Equifax, TransUnion and Experian logos are all trademarks of their respective owners.