Cleaning up credit

If you see an ad from someone who wants to "clean up " your credit report, beware.

NC Bankruptcy Lawyer in Charlotte North Carolina for Chapter 7 / Chapter 13

Credit reports must contain accurate information. 

If you have bad credit, but what is reported is correct, then there is no magic pill that will clean up your credit report.  Filing bankruptcy won't do it, and neither will paying a company who promises that they can get your scores up no matter what is on your credit report.

If what is on the report is true, then then it can be reported. 

Ask yourself if you owe the debt.  If you do, then it is legitimately on your credit report.  If someone tells you they will help you dispute it, even if it falls off temporarily it can always be put back on.  If you paid someone to clean up your credit rating, well you just got taken for a ride. 

If they can really clean up your credit, so can you.

If the information on your report is false, you can dispute it and have it removed.  You don't need to pay someone to do it for you.  If something is reported incorrectly and they won't remove it, you need to see a lawyer to discuss whehter or not you have a right to sue under the Fair Debt Report acts to enforce the law. 

Now that will clean up your credit!

See:  Should I Pay To Have My Credit Report Cleaned Up? 

1701 Scott Avenue Charlotte North Carolina 28203
phone: 704 / 377-0776
fax: 704 / 377-0775
DISCLAIMER: This message is intended as a general discussion of legal issues and not as a statement of fact, legal advice or a legal opinion. Personal opinions may also be expressed. No attorney-client relationship is created by this message. Do not act or rely upon law-related information in this communication without seeking the advice of an attorney licensed to practice in the relevant area.

The Law Office of Susanne M. Robicsek is
a Federally Designated Debt Relief Agency
under the Bankruptcy Code.
I file bankruptcy cases for people in financial need,
and have been doing so since 1989.

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