Credit Repair Attorneys

Attorney Credit Repair Service

We are a Law Firm and we help people with Credit Repair. We provide legal, effective and powerful credit repair solutions to consumers throughout the country. Why hire so-called credit repair companies when you can hire credit repair lawyers.

Our process is transparent and simple. Its not magic, its simply knowing the law and suing the credit bureaus and creditors when they do not comply with the Fair Credit Reporting Act.

Contact your Texas Credit Repair Attorneys at Shawn Jaffer & Associates. We Help Consumers all over Texas with our Credit Repair Services.

(281) 643-6300

SERVING ALL OF TEXAS

How Does It Work?

The Initial Consultation

The very first thing we do is a credit repair consultation. At the initial consultation, the credit repair attorney or a credit repair paralegal will review your credit reports with you and will identify adverse, negative, and erroneous accounts on your credit reports.

Once the accounts are identified, then your credit repair attorney will develop a legal strategy to fix your credit and increase your credit scores.

The Credit Bureau Disputes

Your credit repair attorney and credit repair paralegal will draft and send out credit disputes to Equifax, Transunion and Experian. At that point they have 30-days to respond back.

When the disputes results come in there should be positive changes to your credit reports and an increase in your credit scores. However, some accounts may not be deleted or removed. But do not worry the process is just getting started.

The Direct Dispute & Demand Letters

This time your credit repair attorney is going to send out dispute and demand letters on our law firm letterhead to your creditors and debt collectors. We will be demanding strict proof of verification and validation of the debt and demanding an immediate deletion of the negative accounts from your credit reports. Your credit repair attorney may also threaten the filing of a lawsuit for violations of the Fair Credit Reporting Act “FCRA”.

The FCRA Violation Lawsuit

For any remaining accounts that have not been deleted from your credit reports your credit repair attorney will evaluate if the credit bureaus or your creditors have violated the Fair Credit Reporting Act “FCRA” then they will file a lawsuit against the credit bureaus or creditors at no additional cost to you.

Fix the Credit Reports and Get You Compensation

When a lawsuit is filed against the creditor or credit bureau it takes some time to settle. When your credit repair lawyer settles a lawsuit for you, we usually get the negative account corrected or removed entirely from your credit reports and in some instances gets you up to $1,000 in your pocket.

Why Should I use a Credit Repair Attorney over a Credit Repair Company?

• The Attorneys at Shawn Jaffer & Associates are your Texas Credit Repair Attorneys can help you with our credit repair services program. You can hire us to send disputes and demands letters to creditors, credit bureaus, and debt collectors.

• A Credit Repair Attorney has the expertise in correctly disputing the credit items.

• A Credit Repair Company disputes your credit items using credit report disputing software such as Credit Repair Cloud, ScoreCEO, or TrackStar. These programs generate bulk identical dispute letters and get your credit disputes flagged as frivolous. This happens because thousands of credit repair companies across the country are all using identical credit dispute letters. The credit bureaus are not stupid and they know when you use a credit repair company to send bulk disputes which all look the same.

• Credit Repair Companies dispute your negative credit items over and over month after month with their bulk generated dispute letters. Doing this will cause your credit file to end up in a “Special Handling” department with the big 3 credit bureaus. Once that happens your credit file may become locked and you will not be able to obtain any credit since you will not have a credit report, credit history, or a credit score.

• Credit Repair Companies charge thousands of dollars to fix your credit but they cannot send legal demand letters and they cannot sue the creditors or credit bureaus on your behalf. Whereas, a Credit Repair Attorney can.

• The Attorneys at Shawn Jaffer & Associates are your Houston Credit Repair Attorney and can review your disputes and credit reports for Fair Credit Reporting Act and Fair Debt Collections Acts violations under state and federal law and force the debt collectors, creditors, and credit bureaus to fix your credit reports.

• When a credit bureau refuses to fix your credit errors or inaccuracies a Credit Repair Attorney can sue them at no cost to you and potentially can get you compensation.

What Are Your Rights?

• The Fair Credit Reporting Act (FCRA) states you, as a consumer, have the right to sue creditors and the credit bureaus (Equifax, TransUnion, and Experian) for monetary damages and attorney costs.

• Under the FCRA Credit Bureaus have a guideline to follow reasonable procedures to provide accuracy and fairness of credit reporting. Failure to follow these guidelines can result in a FCRA violation.

Contact your Texas Credit Repair Attorneys at Shawn Jaffer & Associates located in Houston, Texas for a Case Evaluation. We help Consumers through Texas.

How Much Does It Cost?

$99 Consultation Fee
+ $249/mo. for 6 months

(281) 643-6300

SERVING ALL OF TEXAS

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