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The process of ensuring that your credit reports are accurate
or addressing identity theft is a multi-step process which the firm has
streamlined and refined so that the clients involvement is as painless and
efficient as possible. The firm has combined state of the art technology with
an interactive environment to speed this process.
Obtaining Your Credit Reports. The beginning
step in any process to insure that your credit report is accurate is to obtain
a copy of your credit report from all three credit bureaus. Creditlawgroup.com
provides a means to instantly obtain you credit reports online for review. If
you do not choose this option the firm will show you how to obtain your reports
through the mail. Because of privacy concerns the credit bureaus will only send
credit reports directly to consumers. Once you obtain your credit report you
must mail us your credit reports.
Disputing What's On Your Credit Report. Once
you have obtained your credit report the information you wish to dispute will
be entered electronically into an easy to use interface and database that you
will be able to update directly online. You will be provided a form via e-mail
to use for providing the firm with information on accounts or tradelines you
wish to dispute. As you receive subsequent credit reports resulting from
disputes and correspondence the firm has sent this information will be used to
update our database. When available and if you purchase a credit report online
you will be able to immediately upload this information to us to set up a
checklist of items you wish to dispute or correct. This process works the same
way in case of identity theft.
The Representation Process. The firm will
submit correspondence to the credit bureaus and selected creditors on
professional law firm letterhead and in accordance with the Fair Credit
Reporting Act and federal law. This correspondence will dispute those items
which the client selects as being inaccurate, unverifiable or incorrect for the
reasons listed in our easy to use interface and forms or as the result of
identity theft or other reason. The firm will continue this process in an
attempt to reach the desired result of removing inaccurate or information
related to identity theft.
The Results. The firm will monitor the
results of its representation and provide this to you as client in an
electronic format. Negative inaccurate and unverifiable items which have been
removed from the credit bureaus will be displayed in an easy to read format. We
will provide updates and news on significant events by e-mail concerning your
file.
Items on your credit report that can be disputed and checked for accuracy:
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