Patton Knipp Dean, LLC

What Exactly Is Credit Repair, Your credit report is meant to be a measurement of your financial responsibility. Banks, credit card companies and other lending institutions will rely on it when deciding whether to loan money to you — and at what interest rate. It is critical that your credit report contain accurate, up-to-date information.

Unfortunately, the three major credit reporting agencies do not always have accurate data. After bankruptcy, for example, your credit report may still reflect old debts that have been eliminated. The credit repair process involves disputing inaccurate or out-of-date information to clean up your credit report. Anyone can dispute inaccurate credit report information. However, successfully disputing that information is not always a fast or easy process. And if the credit reporting agency fails to take action, you may have to file a lawsuit.

Enlisting the help of an attorney can save you many headaches down the road. At Patton Knipp & Dean, our lawyers can help you take advantage of your rights and protections under the Fair Credit Reporting Act (FCRA). We will take the time to examine all three of your credit reports in detail. If we find inaccuracies, unverifiable information or out-of-date information, we will take swift and persistent action. Our legal team will not give up until you have an accurate foundation for rebuilding your credit.

People that have bad credit sometimes don’t follow instructions. The clients that follow good credit habits always succeed. How am I supposed to be responsible for clients’ actions after they leave, That’s the express purpose for the hour-long consultation and instructions. I’m at 40 percent referrals. It’s in my best interests that the client succeeds. I also have several real estate agents who sold clients homes because of my service. 299 to step foot into my office. I don’t offer money back. I get paid for work. No contract needed to perform a job agreed upon.

Fix your credit with Lexington Law Firm. The Lexington Law app lets you follow your credit repair progress. With access to a variety of tools, you can better understand, improve and protect your credit, from your mobile device. Lexington Law is an advocate for you, the consumer. We want to make sure your credit is reported fairly and accurately. If you’ve been denied for credit, then let us help you get back on the path to approval. Unlike other credit repair companies, we obtain your credit reports from all three credit bureaus - Equifax, Experian and TransUnion.

Then we work with you to establish challenge reasons for each negative item on your report. We send electronic disputes to the bureaus on your behalf and also communicate directly with your creditors. We're absolutely confident in our proven credit repair process. 10 million inaccurate, unfair or unsubstantiated negative items from credit reports in 2017 alone. On average our clients see 10.2 negative items or 24% of their presenting negatives, removed within the first 4 months of service. FICO Scores are involved in 90% of US based lending decisions.

We leverage several laws and consumer protections based on your feedback to achieve results. There are many protections for consumers who’ve gone through a life event that may have affected their credit such as divorce, identity theft, military service, medical bills and mishandled student loans. If you’ve gone through one of these life events then our service is for you. When you sign up with our service, we pull your credit reports for all three credit bureaus. We aggregate your credit report items and present them in an easy to understand interface.

Your credit report information is then used to dispute and intervene with the credit bureaus and your creditors. We monitor your credit using a set of credit monitoring alerts called ReportWatch. 1MM. In addition, a few of our service levels include a thorough set of identity protection alerts and monitoring services that rival LifeLock. In addition to providing services to fix your credit, we provide tools to help manage your financial life. Similar to Mint, our digital money manager tracks your income, spending, transactions, budgets, trends, debts and net worth.

The typical American consumer carries a fair burden of secured as well as unsecured consumer debt. The typical American consumer carries a fair burden of secured as well as unsecured consumer debt. These accounts usually refer to credit cards, personal loan, store credit accounts, and also car loans as well as home loans.

It is not surprising that the recent economic downturn has seen an increase in loans which are progressively falling behind or are being defaulted on altogether. Consumers may even attempt to rely on credit card accounts to withdraw cash and then turn around and use it to pay off other creditor accounts or simply contribute to their monthly variable expenses. The statute of limitations may be tricky for consumers to understand, especially since it is not a federal statute, but actually a state law.