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Finding Credit Repair Help in Dallas, Texas

Looking for credit repair help in the Dallas, Texas area?

Unfortunately there are just as many terrible lawyers available to you as good ones. Getting charge offs, judgments and even bankruptcy removed from your credit report takes a credit expert – not just any lawyer.

Finding Credit Repair Help in Dallas, Texas

Looking for Credit Repair in Dallas, Texas? Call this number for a FREE Credit Repair Consultation.

Understanding consumer rights requires education. You want a lawyer who will stay committed to you throughout the entire process of your dispute. It is imperative to be advised by a trusted professional who will protect your rights.

What are the qualities of a good credit repair lawyer in Dallas, TX?

The goal of a good lawyer is to legally help you improve your credit score. You should have a clear understanding of your consumer rights after having worked with a good lawyer. They will be completely familiar with all the consumer laws such as Fair Credit Reporting Act, Fair Debt Collection Practices Act, and the Fair Credit Billing Act.

A good lawyer will act quickly to resolve your disputes. If you find yourself working with someone who seems too busy for you – doesn’t respond to emails or phone calls in a timely fashion, run away! Do not settle for an attorney who is not working hard for you.

The best credit repair lawyer will guide you through the technical, confusing and intimidating world of credit bureaus, collection agencies and the judicial system. The paper trail required to resolve a credit dispute can seem insurmountable. A good credit repair lawyer will keep you organized and on task.

How do I find a good lawyer in Dallas, Texas?

A referral from a trusted friend or family member is the best way to find a reputable credit repair lawyer. But maybe you’re embarrassed to discuss your need for credit repair with friends and family.

How do I know it’s not a credit repair scam?

There are certain things a credit lawyer cannot say (see FTC Credit Repair for more details).

* We were so impressed with Lexington Law that we decided to become a sponsor and put up this website.

They can’t promise results although they CAN tell you what the average client results are. They cannot charge you upfront for services not yet performed. I discovered these laws while looking for a credit attorney. I found out that Lexington Law has been around the longest – and has clients with amazing results. Lexington Law has offices all around the United States so you’re in luck if you’re looking for credit repair in Dallas. For a direct line and free consultation, call this number: 1-800-298-4297.

Good luck!

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What the FTC Says about Credit Repair

If you Google the words “credit repair” you’ll see that the Federal Trade Commission occupies one of the top spots: www.ftc.gov/bcp/edu/pubs/consumer/credit/cre13.shtm

What the FTC Says about Credit Repair

FTC and Credit Repair

The Federal Trade Commission (FTC) protects consumers and has a great deal of helpful information about credit repair services. The FTC gets involved because shady fly-by-night credit repair companies have sullied the reputation of reputable, legitimate credit repair companies.

The FTC has put together a few guidelines on spotting a credit repair scam:

Credit repair is never quick

Any company making the claim that they can fix your credit overnight is being dishonest.

Unfortunately, the process of fixing bad credit is one of the most time consuming, frustrating tasks you will ever tackle. It can take months and even years for some people. (Personally, for us we had good credit again in the 700′s inside of 4 months with help from Lexington Law.)

You may need to make a combined effort of disputing negative listings AND negotiating with creditors to get your score back into the 700 range.

Do not pay large up front fees for credit repair

Is a credit repair company asking you for $2,000 up front? If so, it’s time to run the other way and don’t look back. A large fee like that up front is a red flag for a credit repair scam.

See the Credit Repair Organizations Act for the nitty gritty details of this law. This is a pretty straightforward rule and if you come across a company not abiding by it you should run from it. This is a major red flag that the company is not reputable.

It is illegal to create a new credit identity

Can’t you just start over? Yes! You can improve your credit score with a lot of work, time and maybe some help but it can be done.

What you can’t (legally) do is create a new identity or credit profile. This is illegal! Anyone telling you differently is not reputable and is encouraging you to break the law. A good credit repair service should get you out of hot water not into it!

Beware of misleading claims

Just a glance at some of these credit repair services websites sounds an alarm. The websites read just like a tacky, loud, gimmicky infomercial. “But wait! There’s more!”

This does not give anyone a good first impression. There is nothing professional about how these companies have chosen to represent themselves.

You may decide that having a credit repair expert on your side is the quickest and most trouble free way to dealing with bad credit. If you choose to hire a professional we suggest Lexington Law Firm.

We selected them for two reasons:
1. Lexington Law has a great track record with the BBB;
2. Lexington Law has REAL attorneys – they are not just selling a package of software.

* We were so impressed with Lexington Law that we decided to become a sponsor and put up this website.

How did we know we could trust Lexington Law? It was a good sign to see they even have the FTC guidelines disclosed on their website. A credit repair company that divulges their methods of compliance on their website is a great place to start your credit repair journey. Get a FREE credit consultation with credit repair experts by calling 1-800-298-4297

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Review of the Accurise Credit Repair Program

Does the Accurise Credit Repair website look familiar? It should. The Accurise start-up credit repair company ripped off most of its website content from Lexington Law and it’s affiliate’s websites.

Accurise even wrote all of their advertisements to mimic blog posts and forum comments from clients of Lexington Law. Sadly, we weren’t able to find a single true story from any (satisfied) client of The Accurise Credit Repair Program.

They only Accurise “testimonials” were apparently written to confuse people looking to sign up for Lexington Law and thereby divert them to their own service.

These kinds of shady practices should give you an indication of their credit repair program, but we thought we’d dig deeper into what Accurise offers.

Accurise Credit Repair Methods

Just a quick look at Accurise’s website is cause for concern. In their own words they advertise, “Accurise’s specialized software automatically sends out disputes from our system to the credit bureaus.” Sound great, right?

No. We don’t recommend you dispute anything with automated software. Your credit history is simply too important to hand over to a computer to make decisions for you.

All correspondence regarding your credit should be in a letter form with copies of supporting documents and mailed using the U.S. Postal Service. You need a paper trail for your disputes – and a credit repair expert should know this!

Follow through

We’ve read mixed reviews about Accurise Credit Repair program. The only positive reviews seem to be written by an employee of the company. Bogus reviews of any business are alarming.

The only since reviews speak of Accurise’s employees as being fast talkers to get you to pay $59.95 for their service. Once the fee has been paid consumers complain that they are ignored.

If you do reach a human being to follow up about your case, customers reported they’ve been treated rudely.

There are hundreds of shady fly-by-night credit repair companies. Is Accurise one of them? We can’t say, but the evidence out there does not instill much confidence in a company you are trusting with sensitive financial information. Instead avoid a credit repair scam and find a reputable, legitimate credit repair company. Get a FREE credit consultation with credit repair experts by calling 1-800-298-4297

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