Credit Repair Attorneys: The Things You Must Look for to Avoid Getting Scammed
Posted by: Ben and Casey / Category: Real EstateFixing your credit is not a pleasant experience. There are basically two ways of going about the credit repair process.
Many people decide first to fix their own credit only to discover the process is much more involved than they expected. Below are several reasons why you may consider choosing a top rate credit attorney at a price almost anyone can afford.
Unfortunately you may discover that repairing bad credit is one of those projects that only appears easy. There is so much to the process including legal research and writing, which is challenging even for credit lawyers at times.
If you are not the somebody who enjoys legal research in your free time, or don’t have patience for translating complicated credit statutes and confusing case laws both state and federal judges, then this might not be for you. But if you are determined enough to plow through the stacks of law books, case law and other material you’ll need to reference, then you should expect to spend at least a a few Sunday afternoons researching applicable credit laws at your local library.
Assuming you are able to understand the case law and statutes, then you have to move onto the more important part of credit repair. The next step is to write a coherent and compelling dispute letter. You will need to cite the applicable case law and disputed items.
The three major credit bureaus are trained to identify those people trying do it yourself credit repair. This can be a problem since credit bureaus are known to ignore any poorly drafted dispute letters or those without the proper supporting documentation.
To create a proper paper trail to document your correspondence you need to send your disputes to the bureaus via regular mail . To ensure your dispute receives a proper investigation, you will need to mail the letter via United States Certified Mail.
By now you are probably wishing you had more free time. Mailing dispute letters via certified mail takes a lot of time. Unless you are extremely casual about how you spend your free time, this is probably not worth your time.
Disputing bad credit errors on your own also takes an organized office space and a strategic plan. For example, you will need a spreadsheet to track the progress of each disputed item. Plus, you will need to give yourself reminders or some type of alert in the event the bureaus or creditors have allowed the proper investigation period to expire.
The bottom line is that do it yourself credit repair is not a fun experience. There are so many better and more efficient uses of your time. Plus, it is difficult to learn and apply complex legal statutes and case law to your unique credit experience.
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