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2190 N. Loop West, Suite 333 | Houston, Texas 77018
Credit Repair

Houston Attorney Helping You Repair Your Credit

Improve your credit score with guidance from a knowledgeable Texas lawyer

Carefully monitoring your credit score is a useful way to control your finances and avoid debt. If your credit report contains old or inaccurate information, that could affect other aspects of your life. With the help of the Law Office of David A. Fernandez, P.C., you can repair your credit and improve your economic situation.

Why should you repair your credit?

A low credit score can negatively impact your entire life. Your credit report shows any bankruptcy filings, foreclosures and tax liens. This information can be seen by creditors, landlords or employers. If your credit score is reflecting old or inaccurate information, you need to update and repair it. Anything that legitimately should be on your report must remain, but there may be reported information that is no longer relevant to your situation or that should never have been included. A skilled Houston debt defense attorney at our firm can help you review your credit report to determine if it is accurate.

How the Fair Credit Reporting Act helps

The Fair Credit Reporting Act is a federal law that allows you to challenge negative credit information that was unfairly or mistakenly included on your credit reports. It gives you the right to learn your credit score and what is in your credit reports, so you can dispute any incorrect or outdated negative information in them. The law also requires credit bureaus — such as Equifax, TransUnion, and Experian — to investigate disputed information and remove any data that they can’t verify.

Typical credit reporting errors

Many individuals’ credit scores are hurt by inaccurate or obsolete information that has been reported, including debts that were never incurred or records that should have been scrubbed from the report after a certain number of years. Common credit reporting errors include:

  • Debts, liens or late payments that are outdated
  • Creditors providing an incorrect name, address and/or telephone number
  • Inaccurate account balances
  • Duplicate accounts
  • Debts run up by identity thieves
  • Failure to note return of borrowed funds or cancellation of debts

As your attorneys, we will review your reports to spot anything that inaccurately reflects your current financial situation. We are well versed in identifying errors and taking effective action to correct them.

Why you should hire an experienced attorney for credit repair

Credit repair companies claim that they can fix your credit, but they will often overcharge you for their services. They also often give people bad advice or may encourage them to engage in illegal activities to improve their credit. While it is possible to clean up your credit report on your own, your best option is to consult with a seasoned attorney who will advise you on the proper measures to take to improve your credit. A credit repair lawyer can help you throughout the process by doing the following:

  • Reviewing your reports to help you identify errors
  • Disputing errors in your report
  • Negotiating with credit reporting agencies to remove wrong or outdated information
  • Negotiating settlement amounts with your creditors
  • Intervening with creditors to block harassing tactics
  • Advocating for you if a creditor files a lawsuit against you

We understand creditors’ tactics and know how to deal with them. We will put our extensive experience to work for your advantage.

Get help from an experienced Houston credit repair attorney today

When you need to repair your credit in Texas, consult the Law Office of David A. Fernandez, P.C. To schedule an appointment at our uptown Houston office, call us at 713-893-8509 or contact us online today. We offer free initial telephone consultations.

Our Recent Lawsuits Filed Against Creditors
  • "MC vs. Conn's" - $553,000

  • "LC vs. Conn's" - $1,026,000

  • "AR vs. Conn's" - $778,500

  • "BB vs. Conn's" - $672,000

  • "GD vs. Conn's" - $636,000

  • "David Fernandez won my case against Midland Funding. What a relief. Thanks so much" - Anthony

  • "David fought multiple of our suits and won when every other lawyer said it wasn’t possible. So thankful for his services" - Jennifer

  • "This guy is the BEST Lawyer I've ever hired. I've been in business for over 46 years and have NEVER won a lawsuit until now! Highly Recommended" - Ron

  • "Mr. Fernandez was the best! He took care of me when my own company's lawyers program did not. I will always recommend him" - Linda

  • "Mr. Fernandez goes above and beyond to help his clients. I highly recommend his law office." - Lorie A.

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