Credit Repair Law Firm

experienced credit repair law firm

L.A. LAW is an experienced credit repair law firm dedicated to helping people.  Attorney Lawyer Twillie started out in credit repair to help friends and family suffering from bad credit.  While navigating the process, he discovered just how unfair it can be for most people.  Pretty much everything about the process, from method to time-frames, puts the “little guy” at a disadvantage.  As a result of those experiences, Lawyer Twillie decided to help others fix their bad credit.

we can help you improve your credit score

We can help boost your credit score in a number of ways.  Keep in mind that everyone’s credit situation is different, so how we approach your circumstances may be different.  Generally, we will use a combination of the below to get your credit score on solid footing:

  • Review your credit reports;

  • Dispute negative marks;

  • Dispute incorrect late-payment entries; and

  • Dispute mostly accurate information.

There are other ways we can help you achieve better credit, however, those are the most common ways.  We can counsel you on the most effective ways to boost your credit score in the shortest amount of time.

bad credit

Bad Credit can happen to anyone. Whether you are a college student with credit card debt, or a recent divorce’ who’s financial landscape has taken a drastic turn.

We understand that no matter how it happened, dealing with bad credit can be psychologically and financially tough. L.A. LAW is here to help people suffering from bad credit.

What is Bad Credit?

You may believe the answer to  this question is obvious.  Some people with credit scores in the mid-high 600’s think they have bad credit scores.  They are surprised to find that their score is actually “fair” as opposed to bad.

First, you must understand there are different credit scoring models, using different criteria and data, to arrive at your number.

Nevertheless, there are some generally accepted credit score ranges generally recognized as bad.

For example, most major credit scoring models follow a 300 to 850 range.  With this model, the lower your score, the worse your credit.   Furthermore, you can generally assume anything below 600 is a bad credit score.  So let’s look at some credit score tiers.

Credit Tiers

  • Excellent Credit: 750+
  • Good Credit:700-749
  • Fair Credit:650-699
  • Poor Credit:600-649
  • Bad Credit: below 600

Effect of a Bad Credit Score

With a bad credit score, the consequences are simple, you will end up paying more in fees and interest.  Remember, the higher the number, the better your credit score will be.

If your credit score is lower than 620, you will discover that:

  • You are receiving credit and loan application denials. Most lenders are looking at you as high risk, and, therefore, won’t extend you credit.
  • Any loans you are able to qualify for, you will have higher interest rates on. 
  • You may experience higher insurance premiums, because many insurance companies associate lower credit scores to higher claims being filed.
  • You are receiving denials on your apartment applications.  As you may know, Landlords often check credit scores to help them determine the suitability of a tenant.
  • A potential employer can deny you a job because of your poor credit history.

Negative items on your credit report can play a substantial role in your life, especially if you have a bankruptcy.

mistakes on your credit report

Your credit report contains information about where you live, how you pay your bills, and whether you’ve been sued or arrested, or have filed for bankruptcy. Credit reporting companies sell the information in your report to creditors, insurers, employers, and many other businesses.  These business use that information to evaluate your applications for credit, insurance, employment, or renting an apartment.

It should come as no surprise that mistakes on your credit report can have a devastating impact on your life.  The Federal Fair Credit Reporting Act (FCRA) is there to protect the general public.  It does so by promoting the accuracy and privacy of information in the files of the nation’s credit reporting companies.

The FCRA has been amended several times since its passage in 1970.  It is primarily aimed at the the three (3) major credit bureaus, Experian, Equifax and TransUnion, because of the volume of information those bureaus collect and sell.

what are credit reporting agencies?

Credit reporting agencies (CRA’s), like Experian, Equifax and Transunion, are responsible for gathering, processing and archiving credit information on consumers.  CRAs have information on more than 200 million Americans just like you.

The agencies collect information on every consumer’s use of credit and their bill-paying habits. The data comes from “information suppliers,” or any business that extends credit to customers. Information also comes from public records like court judgments and bankruptcy filings.

Moreover, as many data collecting companies do, they sell your information for huge profits.   Businesses like banks, management companies, and various lenders use that information to help make decisions about granting loans or credit.

Keep in mind, CRA’s don’t make decisions on whether or not you get a loan. That decision is made by banks, credit unions, mortgage companies or card companies you apply to. The information from the CRA is simply used to set the interest rate and conditions for your loan.

should i hire a professional?

Should you hire a professional to help you fix your credit?  The short answer for most people is “yes”. 

Searching the internet, you will find many websites encouraging you NOT to hire professionals to help fix your credit.  Sure, there are a few untrustworthy businesses out there, but there are plenty of good ones too. 

But I want you to take an even closer look at those businesses and websites urging you to do-it-yourself.  If you do, you will notice something interesting.  You will see that financial institutions are responsible for putting out that information. Why is that important?  Because they want to delay,frustrate, and put you in a position to fail.  They don’t want you to improve your credit score because they make more money when you pay a higher interest rate!

In other words, yes, most people should hire a trusted professional to help them fix their credit.  Nevertheless, you should do your homework and higher a reputable advocate.

can i fix my credit myself?

Absolutely!  Is it easy?  No!  Think about it-if it were so easy-more people would have good credit, right?

The information out there advising you that credit repair is easy, and you only have to follow a few steps, are fooling you.  For example, what happens when you send your dispute letter and the CRA refuses to act?  What do you do?  What sort of leverage do you have?  Believe me, they are going to make you earn it.  If you can’t back up your stern talk with action, you will get nowhere fast.  Hiring a law firm will send a clear message that you are serious about your credit.

who is lawyer twillie?

After spending more than six years with two prominent Connecticut defense law firms and one insurance company, Lawyer Twillie (LT) experienced a change of heart and decided to dedicate the rest of his professional career representing victims, not big businesses.

call lawyer twillie today!

To get started on your credit repair journey, call us at 860-595-3163 or send an email today.  Get a proven and dedicated law firm on your side.  Your consultation is FREE.

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A Credit Repair Law Firm Dedicated to Putting People First!