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• Brian Smith
• Sarita Garg
• Steven Tuan Pham
• James R. Jones
• Kevin T. Cloves
• Evi Ha Huynh
• Jennifer Ray
• Jenny Nguyen
• Sherea Vitelli

• Analyze and Examine Credit Report from all three Credit Reporting Agencies
• Develop Initial Customized Plan to Repair Credit
• Initiate Contact with Credit Agencies to Address Inaccuracies
• Adjust Initial Plan for Credit Repair
• Negotiate and Work with Creditors to Settle Accounts and Change Character of Entries
• Develop Custom Strategy to Continue to Strengthen Credit Scores
• Monitor Credit Report for One Year

• What is Credit Repair?
• How long does it take to repair my credit?
• How much will repairing my credit cost?
• Can charge-offs on my credit report be addressed in the credit repair process?
• Why should I choose the credit repair attorneys at Smith & Garg to repair my credit?
• How much will my score go up?
• What is a FICO score?
• How much will I be involved in the credit repair process?
• Can I just repair my credit report by myself?
• Should I pay off all of my debt?
• Will cancelling my credit cards that I rarely use raise my credit score?
• What is a “charge-off” and is it bad?
• What is “re-aging” and will it help my credit score?
• What are my rights if I am a victim of identity theft?

• Ten Ways to Restore Your Credit Rating

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