Credit Repair Attorney

A credit repair attorney can help you with removing inaccurate information from your credit report if you don’t want to do it yourself, however that help comes with a hefty price tag.

It’s true that credit repair attorneys can aggressively bombard the three main credit reporting agencies with dispute letters addressing inaccuracies on your credit report but this is something you can also do yourself, perhaps not so aggressively though, seeing they do this for a living.

A credit repair attorney will get copies of your credit report from the three credit reporting agencies, Equifax, Experian and Trans Union and examine them for any inaccuracies.

They will then initiate contact with the agencies with letters disputing these inaccuracies.

They can also act on your behalf and negotiate with creditors to address long standing debt and work out a debt reduction plan with them.

Now while all of the above sounds good, there’s nothing they can do that you aren’t able to do yourself to repair your credit, at a significant savings of your money

You can get copies of your credit report from each of the credit reporting agencies for free once a year. This page explains step by step how to do this: Instant Credit Report

Then once you go over each report, if you find some inaccuracies you can send a letter disputing the error to that credit reporting agency. This page has an example of a dispute letter you can send: Credit Repair Letter

You can also contact your creditors and try to negotiate some kind of payment plan with them to reduce your debt. They are often quite willing to negotiate as it’s in their best interest to get paid money owed to them, even if it is over a longer period of time.

So as you can see, you can do exactly what a credit repair attorney can do, yourself.

However, if you find the thought of all this too overwhelming, then a credit repair attorney may be an option for you. Do realise though, that it can be an expensive route. You could use the cost of a credit repair attorney toward a debt repayment plan.