How can an attorney assist you with problems with your credit report?

Attorneys who are experienced in credit reporting matters may be able to assist you in a number of ways:

Experienced Dallas Bankruptcy attorneys understand how to read credit reports and can often discern when information is incomplete or inaccurate in the credit report. And, they can help you write a dispute letter that will meet the requirements of the Fair Credit Reporting Act and help you preserve your rights, should it become necessary to file a lawsuit.

An attorney may be able to negotiate a settlement of a debt that you owe on favorable terms so that you can resolve outstanding delinquent line items on your report. An attorney would be necessary to evaluate whether a lawsuit under the Fair Credit Reporting Act is necessary or advisable to help you with your report. Of course, the attorney would also be extremely helpful, maybe even mandatory, to actually file and prosecute the lawsuit.

An attorney may be able to counsel you about steps you can take to improve your credit. Though it’s not always possible to know exactly what steps are necessary to improve your credit score, there are some common guidelines that an attorney may help you understand in your particular situation.

If you need an attorney to assist with your credit, we hope you will consider contacting our firm. Please know, though, that we are not a “credit repair” law firm and we do not help people remove information that is correct and complete. So, we cannot help you remove that bankruptcy you filed last year or that repossession you had last month. But, we will help you evaluate whether the negative information is being reported accurately and completely.