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Phoenix Credit Repair Attorneys

Free Assistance to Eliminate Unfair Credit Practices

When debt collectors report false information about you to a credit bureau, or when credit bureaus make careless mistakes, it can have a devastating impact on your life. A bad credit score may seriously impact your life, making it more difficult for you to buy a home, arrange a car loan, get a new credit card, or refinance your mortgage.

If inaccurate credit reporting is damaging your credit rating, we can help. We’ll check your credit score and take legal action to help resolve any problems. Best of all, we won’t charge you anything for this service. If someone made a mistake that damaged your credit, we can make them pay for fixing it.

To learn more about our FREE credit repair services in Phoenix, AZ, or any surrounding area, call Hilltop Law Firm today: (602) 466-9631.

How Your Credit Score Is Determined

A credit bureau is a data collection agency that gathers information about consumers from creditors. The three major credit bureaus are Equifax, Experian, and TransUnion. Each of these companies will calculate a credit score about you, which is a numerical expression between 300 and 850 designed to represent a person’s creditworthiness.

Your credit score, also referred to as a FICO score, is based on your payment history, how much money you owe, the length of your credit history, and the types of credit you have, such as car loans, mortgages, and credit card debt.

A higher credit score makes it easier for you to secure credit under favorable terms. When you borrow money, your credit scores from the three major bureaus largely determine:

  • Your eligibility for credit
  • The amount of interest you will pay
  • The length of your repayment period
  • Whether you will need someone to co-sign for a loan

What Causes Credit Reporting Errors?

When one or more of the credit bureaus make a mistake about your credit history, it can have a devastating impact on your credit score. These errors may result from:

  • Flawed computations
  • Inaccurate or incomplete information submitted by creditors
  • Misapplication of bankruptcy rules
  • Identity theft
  • Being mixed up with someone who shares your name
  • Agencies using expired information

How We Can Repair Your Credit Score

There are strict federal guidelines created to protect consumers from unfair credit practices. The Fair Credit Reporting Act (FCRA) shields consumers from inaccurate credit information.

Under the FCRA, creditors, collection agencies, and credit bureaus can be held liable for negligently or willfully disseminating false information. In other words, you have the right to take legal action against people who carelessly damage your creditworthiness using false information.

If you’re having problems with bad information on your credit report, Hilltop Law Firm can help you fix the problem, and it won’t cost you anything. Here’s how we’ll do it:

  1. First, we’ll provide you with information on how to obtain a free credit report.
  2. Then we’ll check your credit report for errors.
  3. If we find any errors, we’ll send a letter asking the agency to resolve the matter.
  4. If the agency refuses to fix your credit errors, we’ll take them to court.

You won’t have to pay us for this service because the law requires the negligent party to cover your costs.

Problems with Your Credit Report?

Hilltop Law Firm provides a full array of debt relief and credit repair services in Phoenix, AZ, or any surrounding area. We’ll be happy to help you clear up any inaccurate information in your credit report.

We also provide help resolving debt issues, including Chapter 7 and Chapter 13 bankruptcy filings and preventing debt collectors from harassing you.

Call (602) 466-9631 to learn more today.

“Will forever be grateful for the services Hilltop has provided. Filing was incredibly easy and quick … They really helped me get my life together”
- Genesis Benedith