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Credit Repair Efforts Didn’t Go as Expected? Restoration May Be a Better Plan

Credit repair, if handled right, can be an effective tool for rebuilding your reputation as a borrower. But if it doesn’t work out — whether you tried it yourself or used a credit consultant — you may find yourself still saddled by a negative credit history that’s keeping you from buying a house, getting a credit card or obtaining a car loan. At that point, it may be time to step up to a more aggressive solution known as credit restoration.

Credit restoration isn’t about merely disputing unverifiable data on your credit report. It is a multi-pronged strategy for getting incorrect and outdated items removed entirely and thereby boosting your credit score significantly. When you work with an attorney who is experienced in this field, you’ll find yourself on a more level playing field with the credit reporting bureaus (Experian, Equifax and TransUnion). Your lawyer will engage in disputes with all three of the bureaus simultaneously, which is more efficient than going one by one.

Your credit restoration lawyer also will employ the full force of the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA), which provide tools you might not have had available before. These include:

  • Intervention with creditors — Your lawyer can challenge your creditors directly, beyond just disputing items through the agencies.
  • Sending cease and desist letters — Debt collectors must stop contacting you for payment once they receive proper written notice from your attorney.
  • Getting responses from credit bureaus — The credit bureaus must respond in writing to your disputed claims. If you have an attorney on your side, the bureaus are much less likely to ignore this requirement.
  • Negotiations — An attorney may be able to persuade creditors, such as mortgage lenders, to have late payments removed from your credit history.

As Houston debt relief attorneys, we offer affordable credit restoration packages tailored to our clients’ unique needs. And because we know that restoring credit doesn’t happen overnight, our team stays by your side throughout the process, providing regular updates and offering advice about rebuilding your credit over the long term. Once your credit report is cleaned up, we can advise you on opportunities to obtain loans and other finance options that allow you to reestablish a payment pattern that helps in improving your credit score.

If you live in the Houston area and need aggressive credit restoration, reach out to the Law Office of David A. Fernandez, P.C. Our attorneys offer a free initial consultation to all prospective clients. Get yours by calling 713-893-8509 or contact us online to schedule one today.

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