The Difference: Credit Lawyers & Collection Attorneys
A Credit Repair Law Firm Disputes Different Things on a Credit Report Than a Credit Repair Company
Our credit repair law firm only disputes errors and mistakes on credit reports. We only deal with those items that are known by you to be inaccurate. For example, if you have someone else’s information on your credit report, we will dispute those items that do not belong to you.
A credit repair company disputes not only items that are known to be incorrect, but they may challenge the accuracy and completeness of items on your credit report that are suspect or that you cannot confirm as accurate. They will challenge more kinds of items than a credit repair law firm will. This is because our goals for you are different. A credit repair law firm’s goal is to remove known incorrect information only from your credit report. A credit repair company’s goals are to remove anything that is negative and not verifiable from your credit report.
The Methods of Fixing Credit Are Different
Our credit repair law firm files lawsuits against the credit bureaus and lenders who refuse to remove inaccurate things from your credit report. We will send dispute letters to each credit bureau that reports inaccurate information. If they do not remove the items from your credit report, we will sue them.
Credit repair companies will send dispute letters only. If the credit bureaus do not remove the inaccurate information, they will typically send out a second and sometimes, a third round of dispute letters to the bureaus. They may even send dispute letters directly to the lender that is furnishing the inaccurate information on your credit report. They will not, however, file a lawsuit on your behalf because they are not lawyers.
Our credit repair law firm has no formal program to educate our clients on how to maximize their credit scores. A good credit repair company, at least the better ones, will analyze credit reports and educate its clients on how to maximize credit scores. They may suggest such things as:
- retiring certain types of debt or
- acquiring other kinds of debt.
- exchanging the deletion of a collection item for payment.
Some Michigan credit repair companies have plans that help people who have declared bankruptcy, create a plan for rehabilitating their credit and help them ultimately, back into home ownership.
Our Credit Repair Law Firm Is the Muscle for Credit Repair Companies
Our credit repair law firm is actually works with many credit repair companies. We help them succeed by coaching them to better business practices, answering questions about the law and helping their clients when the dispute letter process has been exhausted.
If you have errors or mistakes on your credit report that you need to have removed, call me, Attorney Gary Nitzkin toll free at (888) 293-2882 or email me at [email protected]. The call is free and the advice is priceless.
Guest Blog Published By:
Michigan Consumer Credit Lawyers
22142 W Nine Mile Rd
Southfield, MI 48033
Office Hours: Monday-Friday 8:30am-5pm
Email: [email protected]
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