Areas we serve
One firm, fifty states, one federal standard
Credit reporting is governed primarily by federal law. The Fair Credit Reporting Act applies identically in every state, the bureaus operate nationally, and the furnishers report nationally. That is why a consumer in Anchorage and a consumer in Miami are protected by the same statute and can be represented by the same team.
Remote by design
Handled by phone, video, and secure document exchange
Reports are reviewed electronically, engagement agreements are signed electronically, and consultations happen at a time that fits your schedule and time zone.
There is no office visit, and there is nothing about this process that works better in person.
Why credit reporting is a national practice
Most legal problems are local. Credit reporting is not. The three nationwide consumer reporting agencies maintain centralized files, the dispute process runs through a national automated exchange, and the furnishers are typically national banks, servicers, and debt buyers operating in every state. The obligations they owe you do not change when you move, and neither does the evidence required to enforce them.
Practically, this means the substance of your case is the same wherever you live. What changes at the margins is the state law layer that sits on top of the federal statute, along with the venue where a case would be filed if litigation becomes necessary.
Where state law adds something
Several states have enacted their own credit reporting or consumer protection statutes that supplement federal law. Some provide additional disclosure rights, shorter response deadlines, or independent causes of action against collectors. Repossession, foreclosure, and deficiency balances are governed substantially by state law, which is why those entries require a state specific analysis even though the reporting of them is federal. Statutes of limitation on the underlying debt are also state law, and a time barred debt still reported as collectible raises issues under both bodies of law. We identify the state layer during the audit rather than treating every file as purely federal.
Where litigation is filed
Where litigation is warranted, cases are filed in the appropriate federal district and, where local counsel is required, we associate with counsel admitted in that jurisdiction.
Who we serve
We take clients across the income spectrum and across every stage of credit history. A first time homebuyer three weeks from underwriting with an erroneous collection. A veteran whose servicer reported late payments during an approved deferment. A small business owner whose personal file was mixed with a relative of the same name. A survivor of identity theft after a data breach. A consumer who completed a bankruptcy two years ago and still has discharged balances reporting as owed. None of those are unusual, and none of them depend on where the person lives.
States and territories we serve
If your state is on that list, and it is, the next step is the same one every client takes. Send us your reports and we will tell you what is wrong with them.
One federal statute, three national bureaus, and the same obligations owed to you in every state.
Serving consumers in all 50 states
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Find out exactly what is wrong on your credit reports.
Send us your information and our team will review all three bureau reports and explain, in writing, which items are inaccurate, which are unverifiable, and what the law allows us to do about them.
Or email help@helpfixmycreditreport.com. We respond to every inquiry within one business day.
Request your free credit report review
Tell us what is happening and our attorney-directed team will respond within one business day. There is no cost and no obligation for the initial review.