Services
What our attorneys actually do with your file
Credit repair is often sold as a subscription with a fixed number of letters per month. Our services are organized the way legal work is organized: by the remedy the facts of your file support. Below is the full range, from the initial audit through litigation.
Before anything is sent
Every engagement starts with a lawyer reading the file
Not every client needs every service listed on this page. After the free review, we recommend the specific combination that fits your reports, and we explain why each item is being handled the way it is.
If a claim is weak, we say so rather than billing for a dispute cycle that has no realistic chance of changing anything.
Three bureau credit report audit
Every engagement begins with a complete review of your Equifax, Experian, and TransUnion files. Reports differ from one another because furnishers do not all report to all three bureaus, and because each bureau matches incoming data on its own logic. We compare the three side by side, flag every discrepancy, and produce a written inventory of each account with the balance, status, date of first delinquency, date of last activity, payment history grid, and reporting agency identified. That inventory becomes the working document for the rest of the case.
Formal disputes to the consumer reporting agencies
A dispute is only as strong as the record behind it. We describe the specific inaccuracy, state the legal basis, attach supporting documentation such as statements, payoff letters, settlement agreements, discharge orders, police reports, or identity theft affidavits, and send the dispute in a form that creates a provable delivery record. Reinvestigation deadlines are calendared. When the response arrives, we compare the updated file against the previous version to confirm the change was actually made across all three reports rather than one.
Direct disputes and demands to furnishers
The company reporting the information has independent duties under the statute. Sending a documented direct dispute to a furnisher triggers those duties and, importantly, creates a record that the furnisher had actual notice of the inaccuracy. Continued reporting after notice is a different and stronger claim than a first time error. We use furnisher demands routinely, especially against debt buyers and collection agencies that acquired an account with incomplete records.
Method of verification requests
When a bureau reports that an item was verified, the consumer is entitled to a description of the procedure used, including the business contacted and its contact information. Many verifications come back describing nothing more than an automated code exchange. That answer is often the most useful document in the file, because it shows what did not happen during the reinvestigation.
Debt validation and collection abuse claims
Where a collection agency is involved, we invoke validation rights under the Fair Debt Collection Practices Act, require the collector to substantiate the amount and its right to collect, and demand that collection communications route to our office instead of to you. Where a collector has misstated the amount owed, threatened action it cannot take, contacted you at prohibited times, or continued calling after written notice, those violations carry their own remedies.
Identity theft and mixed file remediation
Fraud and file mixing require a different toolkit than ordinary disputes. We prepare identity theft reports and blocking requests, place extended fraud alerts and freezes, demand the underlying application documents from the creditor, and press the bureaus to sever a merged file where two consumers share a name, an address history, or similar identifiers. Mixed files in particular are rarely fixed by a single dispute cycle and usually require escalation.
Post bankruptcy reporting corrections
Discharged debts must be reported as discharged with a zero balance. It is common for accounts to continue showing a balance, a past due amount, or ongoing late payments after discharge. Beyond the credit reporting problem, that reporting can implicate the discharge injunction. We correct the reporting and, where the conduct warrants it, address the underlying violation.
Obsolete information and reporting period enforcement
Most negative information may be reported for seven years, measured from the date of first delinquency on the original account rather than from the date a collector purchased it. Re-aging a debt by resetting that date is a serious violation and one of the more common tactics we find when we compare the three reports against one another. Chapter 7 bankruptcies and certain other entries have their own periods, and we track them.
Impermissible inquiry and permissible purpose claims
A business may access your report only for a purpose the statute allows. Inquiries from companies you never applied to, from a dealership that shopped your application to a dozen lenders without authorization, or from a party with no legitimate need are reviewed and challenged. Beyond the score impact, an inquiry without permissible purpose can support a claim of its own.
Litigation under the FCRA and related statutes
When the record shows that a bureau or furnisher continued reporting information it knew was inaccurate, we file suit. The statute provides for actual damages, statutory damages for willful violations, punitive damages in appropriate cases, and recovery of attorney fees and costs from the defendant. Most consumers never reach this stage, but the credibility of the earlier stages depends on our willingness to reach it.
Credit rebuilding guidance
Removing inaccurate items clears the obstruction. Building a score is a separate exercise involving utilization ratios, the age and mix of accounts, payment consistency, and the timing of new applications. We give specific, practical direction based on what your file actually shows rather than generic advice, and we tell you which moves matter and which are noise.
Ongoing monitoring and recurrence prevention
Corrected items sometimes reappear when a furnisher re-uploads an old data file or sells the account again. A reinserted item carries a notice requirement, and reinsertion after a deletion is its own violation. We advise clients on monitoring, and we handle recurrences for accounts we previously resolved.
The willingness to file suit is what gives every letter before it weight.
Enforcement under the Fair Credit Reporting Act
Who we accept as clients
We represent individual consumers, not businesses seeking commercial credit. Our clients typically come to us in one of four situations. Some have found errors while preparing for a mortgage or auto purchase and need them corrected before the application. Some have disputed items themselves, received a verified response, and have no idea what to do next. Some are dealing with identity theft or a file mixed with another consumer. Some have completed a bankruptcy and found that the discharged accounts continue to report as if nothing happened. All four are situations where legal authority produces results that persistence alone does not.
What we will not do
We do not remove accurate, current, verifiable information. We do not create a new credit identity, advise anyone to apply for an employer identification number in place of a social security number, or file disputes we know to be false. Those practices are illegal and they expose the consumer, not the company selling them. We also do not charge for results before services are performed, and we do not ask clients to sign away the right to cancel.
Continue reading
How our process works
Stage by stage, what happens after you send us your reports and how long each step takes.
Your rights under the FCRA
The specific duties the law places on bureaus and furnishers, and what happens when they are breached.
Questions we are asked most
Timelines, costs, score impact, and what a law firm can do that a dispute service cannot.
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.