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San Francisco CA
 

Legal Credit Repair Methods

To better understand what legal credit repair is, it would be helpful to understand a few types of illegal credit repair:

Illegal: Changing your social security number to obtain a clean bill of credit.
If any company should suggest this type of credit repair, report them to the authorities.

Illegal: Disputing every item on your credit report, regardless of nature.
The Fair Credit Reporting Act specifically states that only items that are unverifiable, inaccurate or misleading should be disputed. Items that are clearly yours, and reflect your credit history should not be disputed.

Illegal: Charging for services that have not yet been completed.
This is to protect the consumer from fraudulent companies that charge for services that never get completed (charging to "repair your credit", then hitting the road...)

So, what exactly is Legal Credit Repair?

Legal Credit Repair consists of removing the negative items on a credit report. There are a few different methods of going about this, the most common and effective are:

"Goodwill" Negotiation Negotiating directly with creditors and asking them to "please" remove negative items from your credit reports is a viable method of credit repair for mild late-pay accounts. There are no laws that require that negative items stay on your reports for any amount of time, and creditors have the ability to simply remove these items if they see that it could somehow work to their benefit, even if that simply means a pleased customer.

Credit Disputation The Fair Credit Reporting Act gives you the right to contact credit bureaus directly and dispute items on your credit reports. Just as in a court of law, you have the right to plead "not guilty" to negative information on your credit reports, and leave the burden of proof to the credit bureaus. You can dispute any and all items on your credit reports that you feel classify as inaccurate, unverifiable, or misleading. If the bureaus can not verify that the information on your reports is indeed correct, then those items must be deleted. Learn More.

Learn More.
The three main credit bureaus are: TransUnion, Experian and Equifax. Lenders judge your credit worthiness using the FICO scoring system. Your FICO score is calculate with information from these credit bureaus by using the amount you owe on non-mortgage-related accounts such as credit cards, your payment history, and your credit history. The FICO score ranges from 300 to 850. The higher your FICO score, the lower your interest rate will be. Since it’s possible the information from the credit bureaus is inaccurate, it is very important you check your credit report on a regular basis. Since a high FICO score can save you thousands of dollars on your home mortgage or car loan, it is very important that you repair your credit immediately if your FICO score is below 680.

What is your FICO Score?

Will you get the best rate on your next loan?

FICO Score

Rating

Best Interest Rate

780+

Perfect

Yes

720-780

Excellent

Yes

675-720

Average

No

620-690

Fair

No

Below 620

Low

No

 

 

 


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The Fair Credit Reporting Act gives you the right to have inaccurate, untimely, misleading, or unverified information deleted from your credit report!

While you have the legal right to work out your credit disputes with the credit agencies, you may want to consider utilizing a trained staff of lawyers, paralegals and legal assistants, all using state of the art technology. Raising your credit score can save you thousands of dollars over the course of your mortgage. You should start by obtaining your free credit report & scores today.

In the city, you can find a diverse selection of legal services and legal service professionals. Land-use attorneys and real estate lawyers can help you settle disputes over zoning and other property-related laws and regulations. Accident and injury attorneys can ensure that you get rightful compensation in the event of an accident-related injury. Tax attorneys and finance lawyers can help you with questions regarding your legal rights when it comes to bankruptcies, liens against personal property, debt consolidation, credit problems, and banking and securities law. Criminal attorneys can help in cases involving fraud, theft, and violence and ensure that your civil and legal rights are adhered to. Attorneys skilled in family law can help with prenuptial agreements, legal separations, visitation privileges, alimony, child custody, and child support issues. There are also attorneys that specialize in DUI, DWI, and other traffic law offences that might be able to help with violations you received while operating a motor vehicle. Proper legal representation is not only a wise choice; it’s also your right as a U.S. citizen. So whatever your legal need, you are likely to find whatever assistance you need right here in the city.

San Francisco is a city where anything can happen. Hundreds of attractions, thousands of restaurants and bars, and an eclectic mix of locals make this one of California’s most diverse and exciting cities. A stroll down the Haight/Ashbury district or a jaunt through Golden Gate Park will prove that this metropolitan potpourri is bursting at the seams with young professionals, free spirits and independent thinkers alike. As the marine fog of a dewy California morning lifts, some of the most spectacular sites can be viewed from almost any point in the city- from downtown to the wharf. The Golden Gate Bridge peaks its warm, red tones through the mist as Coit Tower emerges from the clouds on its hill overlooking the city. It’s an amazing view that locals never tire of and visitors come from around the globe to view. San Francisco’s shopping scene is one to match that of any major fashion hub. Union Square is home to shops such as Neiman Marcus, Saks Fifth Avenue and Prada- just to name a few. Shopping in San Francisco is a full day adventure, and is why vistors cannot just spend one day, and locals never tire of this event-filled city. Aside from shopping, San Francisco has intellectually stimulating attractions such as the Museum of Modern Art and the Conservatory of Flowers. Take a cruise on the bay and visit historic Alcatraz Island, witness the famous harbor seals put on a show for the tourists and take-in the spectacular and breathtaking skyline that is San Francisco- truly a city for all walks of life.

california’s beautiful landscape and scenery, mild climate, and diverse population makes it an attractive state to both live in and visit. since the gold rush of 1849, california has become the largest u.s. state in population, with around 37 million people. known as the “golden state,” california provides a rich cultural history, beautiful scenery, arts, entertainment, sports, and a climate that is varied enough to accommodate any type of outdoor recreation, no matter what the season. whether it’s hiking through beautiful redwood forests, skiing on snow-capped mountains, dirt-biking through the sonoran and mojave deserts, or surfing the waves at the beach, there is something to do here all year long. and with venues such as los angeles international airport, experiencing all that california has to offer is quick and easy. california is home to many popular theme parks such as disneyland, six flags magic mountain, knotts berry farm, legoland, universal studios, and sea world. yosemite and death valley national parks are just two of 47 state parks that offers a rich outdoor history and beautiful scenery. upscale clothing boutiques in places such as hollywood and rodeo drive, along with a variety of factory outlet stores and colorful flea markets offer many different shopping experiences. california has so much to do, the possibilities are endless.

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