Is bad credit preventing you from leading the life that you desire?

Samira Ghazal can help!

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There are various situation we see with clients.   Lets look at each:

  1. Bad Credit: In this type of situation, our clients have accurate credit reports, but have bad credit. No matter how bad your credit history is, we can assist in improving the score by various methods. Bad credit happens to many of us. This can be the result of an illness, business failure, or some other reason. The point being is that at some point this client had good credit, but now has lost that good credit and wants to improve their credit score. In these cases, we review the credit reports with the clients and see what options they have to improve their credit score. Sometimes, filing a bankruptcy Chapter 7 is the fastest and best way. For others, that may not be an option. Another solution is to “liquidate” some of that debt by negotiating settlement agreements. In some cases, we are able to settle and seek that the derogatory information be deleted.   Sometimes, there may be a judgment and that can be vacated and dismissed. Each case is an individual fact pattern and deserves individual attention. We believe in not only helping clients recover their credit, but to learn how the system works. Once they recover their credit, it our hope that they will know how to keep good credit for the rest of their life. Credit Repair Miami is thorough, and stays on top of the tedious work that makes credit repair happen.
  2. Inaccurate Credit: In this type of situation, there is information appearing on your credit report which does not belong to you. Sometimes client’s have an account which was opened and it does not belong to them. Sometimes, client’s have a collection account and they don’t owe any money, but it appears on their credit report. Sometimes, client’s have a common last name, like Garcia, and there is information that belongs to another person with a similar name, similar address, similar social security, or similar date of birth. In these cases, we represent our clients free of charge and seek reimbursement of all attorney’s fees and costs from the defendants. Under the Fair Credit Reporting Act, a consumer is entitled to have their attorney’s fees and costs paid by the party reporting the mis-information. The consumer is also entitled to receive compensation for financial losses and “pain and suffering”.
  3. Identity Theft: In this type of situation, some how the client’s personal information has been compromised and used without the permission or consent. Many times, there are various credit card or other accounts opened without the client’s knowledge. This usually comes to light because the client has been sued on an outstanding debt or is receiving collection letters/calls.   Additionally, the consumer’s also have a potential claim for invasion of privacy. Companies are responsible for protecting your information and are not allowed to pull your credit reports without your permission. Under the Fair Credit Reporting Act, a consumer is entitled to have their attorney’s fees and costs paid by the party reporting the fraudulent information or the unauthorized pull of the credit report. The consumer is also entitled to receive compensation for financial losses and “pain and suffering”.  
  4. Impermissible Pull: In this type of situation, a company has pulled your credit without your permission or authorization. This often happens are part of the identity theft, but some companies may pull your credit report in error. In these cases, the client is entitled to compensation and to have the inquiry removed.   Under the Fair Credit Reporting Act, a consumer is entitled to have their attorney’s fees and costs paid by the party pulling the credit report without permission. The consumer is also entitled to receive compensation for any financial losses and “pain and suffering”.

 

In any of the four situations described above, or a combination thereof, our firm is available for a free initial consultation.