Best Credit Repair Lawyers in United States

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Theodora Oringher
Los Angeles, United States

Founded in 2000
50 people in their team
English
Since its founding, Theodora Oringher has developed into a legal powerhouse boutique. We are regularly called upon by clients as their go-to firm for sophisticated, high-stakes litigation. We also provide sound and wise counsel to businesses on transactions and operations issues. Our client roster...
Coppersmith Brockelman PLC
Phoenix, United States

Founded in 1995
50 people in their team
English
At Coppersmith Brockelman, we believe that law firms have too many rules.  Here are ours:  Work at the highest level of our profession.  Think creatively and find practical solutions.  Do the right thing.  Maintain our sense of humor.  Build community - with clients,...
Gallagher Evelius & Jones LLP
Baltimore, United States

Founded in 1950
105 people in their team
English
Early in his life our founder, Francis (โ€œFrankโ€) X. Gallagher, learned the importance of opportunity. Despite showing early signs of brilliance, he would not have been able to attend college or law school without the aid of scholarships due to his familyโ€™s desperate poverty. Throughout his...
Woodburn and Wedge
Reno, United States

Founded in 1918
45 people in their team
English
Even before the formation of the firm, the name Woodburn was an important part of Nevadaโ€™s early development. William Woodburn, father of the firmโ€™s founder, then residing in Virginia City, Nevada, served in the United States Congress in 1868 and again in 1872. In 1918, George Thatcher was...
Norman Hanson DeTroy, LLC
Lewiston, United States

Founded in 1975
50 people in their team
English
ABOUT THE FIRMNorman Hanson DeTroy, LLC, is one of Maineโ€™s most respected law firms and among the largest in northern New England. Since 1975, weโ€™ve been proud of our reputation for hard-driven, results-oriented, no-nonsense representation in the wide variety of practice areas that our...
Stoll Keenon Ogden PLLC
Louisville, United States

Founded in 1897
300 people in their team
English
Stoll Keenon Ogden is a law firm with a proud and storied history. It is also dynamic and forward-thinking with inspired, passionate attorneys who operate at the highest levels of their profession. SKO provides tailored legal solutions to even the most complex problems and challenges.In a world...
Carmody MacDonald P.C.
St Louis, United States

Founded in 1981
106 people in their team
English
Carmody MacDonald P.C. is a St. Louis-based law firm focused on establishing close relationships with clients, serving as valued counselors, and providing exceptional service. Clients choose us because they are looking for practical, cost-effective solutions for complicated legal situations. The...
MOULTON BELLINGHAM
Billings, United States

Founded in 1920
47 people in their team
English
The firm that is now Moulton Bellingham, PC was one of the first law firms established in Montana. Founded at the turn of the century by Judge Charles H. Loud and others, the firm began as a circuit-riding law practice with offices in several Montana cities, including Miles City, Red Lodge and...
Ice Miller LLP
Chicago, United States

Founded in 1910
350 people in their team
English
Built on a foundation of legal service more than a century long, Ice Miller LLP is committed to helping our clients stay ahead in a changing world.Our diverse client base ranges from start-ups to Fortune 500 companies and from governmental entities to educational organizations and pension funds. We...

Founded in 1971
50 people in their team
English
A Full Service Law FirmPage, Mannino, Peresich & McDermott, PLLC is one of Mississippi's oldest and most distinguished law firms.  We serve our clients with experience, dedication and focus from our offices in Biloxi and Madison, Mississippi.  Our attorneys are licensed in...
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About Credit Repair Law in United States

Credit repair is the process of improving an individual's creditworthiness and overall credit profile. In the United States, there are laws and regulations in place to protect consumers who are seeking to repair their credit. The Fair Credit Reporting Act (FCRA) is a federal law that regulates how consumer credit information is collected, reported, and used. Additionally, each state may have its own laws regarding credit repair practices.

Why You May Need a Lawyer

There are several situations where you may need a lawyer to assist with credit repair. Some common scenarios include disputing inaccuracies on your credit report, dealing with debt collectors, understanding your rights under the FCRA, and navigating complex credit repair processes. A lawyer can provide guidance and representation to help you achieve your credit repair goals.

Local Laws Overview

In the United States, the FCRA sets forth the federal guidelines for credit repair. However, it's important to be aware of any additional state laws that may impact credit repair practices in your area. Some states have specific regulations regarding credit reporting agencies, credit repair organizations, and consumer rights. It's advisable to consult with a local attorney who is familiar with the credit repair laws in your state.

Frequently Asked Questions

1. Can I repair my credit on my own?

Yes, you can attempt to repair your credit on your own by disputing inaccuracies on your credit report, negotiating with creditors, and making on-time payments. However, a lawyer can provide valuable expertise and guidance throughout the credit repair process.

2. How long does credit repair take?

The timeframe for credit repair can vary depending on the individual's specific situation. It may take several months to see significant improvements in your credit score. Working with a lawyer can help expedite the credit repair process.

3. Are credit repair companies legitimate?

While there are reputable credit repair companies, it's essential to be cautious of scams and fraudulent practices. Some credit repair organizations may make false promises or charge exorbitant fees. Consulting with a lawyer can help you identify legitimate resources for credit repair assistance.

4. What rights do I have under the FCRA?

Under the FCRA, consumers have the right to dispute inaccuracies on their credit reports, receive free copies of their credit reports, and request investigations into disputed information. A lawyer can help you understand and assert your rights under the FCRA.

5. How much does a credit repair lawyer cost?

The cost of hiring a credit repair lawyer can vary depending on the attorney's experience, the complexity of your case, and the services provided. Some lawyers may offer free consultations or work on a contingency basis. It's advisable to discuss fees and payment arrangements with a lawyer before proceeding with legal representation.

6. Can a lawyer help me remove negative information from my credit report?

A lawyer can assist you in disputing negative information on your credit report and advocating for its removal if it is inaccurate or unverifiable. However, there is no guarantee that all negative information can be removed from your credit report.

7. Will using a credit repair lawyer impact my credit score?

Hiring a credit repair lawyer should not directly impact your credit score. However, the actions taken to repair your credit, such as disputing inaccurate information or negotiating with creditors, may have an effect on your credit score over time.

8. What happens if I ignore my credit problems?

Ignores your credit problems can lead to a decline in your credit score, difficulty obtaining credit or loans, and potential legal action from creditors. It's essential to address credit issues promptly and seek professional assistance if needed.

9. Can I sue a credit reporting agency for inaccuracies on my credit report?

If a credit reporting agency violates the FCRA by reporting inaccurate information or failing to investigate disputes, you may have grounds for legal action. A lawyer can help you determine if you have a valid case against a credit reporting agency.

10. How can I find a reputable credit repair lawyer?

You can research online reviews, ask for recommendations from trusted sources, and schedule consultations with potential credit repair lawyers to assess their experience and credentials. It's important to choose a lawyer who specializes in credit repair and has a track record of successfully assisting clients.

Additional Resources

For more information on credit repair laws and consumer rights, you can visit the Federal Trade Commission (FTC) website and the Consumer Financial Protection Bureau (CFPB) website. These government agencies provide valuable resources and guidance on credit repair practices.

Next Steps

If you are in need of legal assistance for credit repair in the United States, consider contacting a qualified credit repair lawyer in your area. A lawyer can assess your specific situation, provide personalized advice, and advocate on your behalf to help you achieve your credit repair goals. Take the first step towards better credit health by seeking professional legal guidance today.

Lawzana helps you find the best lawyers and law firms in United States through a curated and pre-screened list of qualified legal professionals. Our platform offers rankings and detailed profiles of attorneys and law firms, allowing you to compare based on practice areas, including Credit Repair, experience, and client feedback. Each profile includes a description of the firm's areas of practice, client reviews, team members and partners, year of establishment, spoken languages, office locations, contact information, social media presence, and any published articles or resources. Most firms on our platform speak English and are experienced in both local and international legal matters. Get a quote from top-rated law firms in United States - quickly, securely, and without unnecessary hassle.

Disclaimer:
The information provided on this page is for general informational purposes only and does not constitute legal advice. While we strive to ensure the accuracy and relevance of the content, legal information may change over time, and interpretations of the law can vary. You should always consult with a qualified legal professional for advice specific to your situation. We disclaim all liability for actions taken or not taken based on the content of this page. If you believe any information is incorrect or outdated, please contact us, and we will review and update it where appropriate.