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Initiate Contact with Credit Agencies to Address Inaccuracies

Analyze Credit Report » Develop Custom Plan » Contact Agencies » Adjust Initial Plan » Negotiate With Creditors » Strengthen Credit » Monitor Credit

After the credit repair lawyers at Smith & Garg have analyzed and examined your credit report, have met with you, either via telephone or in person, and developed a customized plan specific to your case, we will notify the three major credit reporting agencies that you are represented by the credit repair attorneys at Smith & Garg and immediately seek to correct outdated, erroneous, misleading, or unfounded and derogatory information. Our credit repair clients are counseled to be patient during this phase since there are legal timelines of 30 and 45 days given to the credit reporting bureaus as a response time. Smith & Garg clients will likely receive correspondence from the reporting bureaus and even some creditors throughout the repair process. It is important that the client forward the letters to his lawyer for review and response, if necessary.

As mentioned above, the credit reporting agencies have to respond to disputes within 30 to 45 days. If there is no response within that timeframe, the disputed entry must be removed. Often times, however, the Credit Reporting Agencies are not responsive and require the intervention of the Smith & Garg advocates. We are seasoned and well versed in dealing with the inaction and delay of credit reporting agencies and creditors. Your Smith & Garg credit repair lawyer will ensure that the Credit Reporting Agencies remove all the information that is legitimately removable. In many case, it becomes necessary for the credit repair attorneys at Smith & Garg to have the creditor remove the objectionable entry outside and apart from the credit reporting agency. In such a case, it is vital to have the experience and commitment of the Smith & Garg credit repair attorneys on your side.

Next Step » in the Smith & Garg credit repair process » Adjust Initial Plan for Credit Repair

Contact the Credit Repair Attorneys at Smith & Garg today to get started!