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CreditServices
The goal of our credit repair attorneys is
to make credit repair a more simple and effective process
for our clients.
What STAMATAKIS + THALJI does. Our credit repair attorneys use our legal know-how to experience to hold the credit bureaus and your individual creditors to the rule of law. The goal of our credit repair attorneys is to work for you to remove questionable negative items from your credit reports.
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What STAMATAKIS + THALJI does. Our credit repair attorneys use our legal know-how to experience to hold the credit bureaus and your individual creditors to the rule of law. The goal of our credit repair attorneys is to work for you to remove questionable negative items from your credit reports.
RepairProcess
With the introduction of the Fair Credit
Reporting Act in 1970, our government made it possible for
consumers to repair their credit. Unfortunately, since that
time, creditors have worked diligently to slow down and
complicate the credit repair process. Our credit repair
program is designed to simplify the credit repair process
for the consumer and work within the confines of the law to
ensure that your credit is reported accurately.
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ReportingLaws
The Federal Fair Credit Reporting Act (FCRA)
is designed to promote accuracy, fairness, and privacy of
information in the files of every "consumer reporting
agency" (CRA). Most CRAs are credit bureaus that gather and
sell information about you -- such as if you pay your bills
on time or have filed bankruptcy -- to creditors, employers,
landlords, and other businesses. You can find the complete
text of the FCRA, 15 U.S.C. 1681-1681u, at the Federal Trade
Commission's web site at
www.ftc.gov.
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CreditReport
Specific information regarding your
identification and financial history are contained in your
credit report. Your credit report is often referred to as a
'credit file' or a 'credit history.' One of the underlying
purposes of maintaining a credit report of your financial
behavior is efficiency for the lenders when reviewing your
credit history. This allows lenders to efficiently make
decisions regarding whether or not to lend you money or
extend you a credit account. Your credit report typically
contains four specific pieces of information.
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creditscore
Credit reports contain a wealth of
valuable, confidential information about you. Your Social
Security number, date of birth, current and previous
addresses, telephone number (including unlisted numbers),
credit payment status, employment, even legal information
are contained within the pages of your credit reports. The
most important step you can take to ensure accuracy of
information and to safeguard your privacy is ordering your
credit report once a year and knowing your credit reporting
rights.
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