If you’re like the vast majority of Americans, you understand the impact an error can have on your credit report. If you find a mistake in your report, it can significantly decrease your score. As such, you may be tempted to work with a credit repair agency who will charge you to fix the issue. However, these companies are not what they appear to be. If you have issues with your report, it may be in your best interest to work with a Los Angeles, California credit report lawyer for these matters. The following blog explores why this option is ideal.
What Does a Credit Repair Agency Do?
If you have errors on your credit report, working with a repair agency may seem like the best option. These companies work with consumers and the reporting bureau to help dispute information on reports. This can seemingly help repair your credit and improve your overall score by removing the incorrect information from your account.
However, it’s important to understand that these companies, despite their name, don’t technically “repair” your credit. Instead, they get erroneous information removed from your account, which isn’t preparing your credit, but rather correcting it.
Why Should I Work With a Consumer Attorney Instead?
Though working with a credit repair company may seem like an easy way to fix your credit, it’s important to understand the reality of these circumstances. These companies will charge you to send a dispute to the credit reporting agency on your behalf. However, these are often weak templates that do not contain enough strong evidence to dispute the claim. Additionally, you can send a dispute to the reporting agency yourself for free.
In the event that the credit reporting agency does not respond to your claim or denies it, the repair company will be unable to assist you further. However, if you work with a consumer attorney, they can help fight to have the information removed from your account and help you hold the company responsible for a violation of your consumer rights. Your attorney can gather the necessary evidence and information to help illustrate that the information on your account is false and should be removed.
Finding incorrect information on your credit report can be incredibly stressful. That’s why it’s imperative to ensure you take the necessary steps to remedy this information. If you need assistance writing the dispute letter or dealing with an uncooperative credit reporting agency, working with an experienced attorney from Los Angeles Legal Solutions is in your best interest. Our team understands how complex these matters can be. Connect with our team today to learn how we can assist you if there are error or other incorrect information on your credit report.
