Should I get a lawer to help clean up my credit

Bankruptcy and Debt 2 views 5 answers
It has been 7 yrs. Now I can start clean

Attorney Answers

5
Jeffrey Lampert ·
You should be able to clear up the negative items on your own. Obtain a copy of your reports from the Big 3--Experian, Equifax and Transunion--to see what they have and if all of the items are older than 7.5 years ask them to delete the stale information. If an item is reported by an assignee of an account, the time of the assignment does not give additional life to the information. The reason I say 7.5 years and not 7 years is the language contained in 15 USC Sec 1681c of the Fair Credit Reporting Act.
0 upvotes
Richard Elie ·
Great question. If its been 7 years, then check your credit reports and see if there's anything left. If there is, it may take up to six months more till everything drops off. Finally, you don't need a lawyer and you don't want to rock the boat and have some loose canon go and re-age your accounts.
0 upvotes
James F. Feuerstein IIIBankruptcy AttorneyTavares, FL ·
If you have a specific issue with regard to the Fair Credit Reporting Act, then an attorney may be helpful. However, if you are simply trying to improve your credit score, you may wish to seek the advice of a credit counselor. They are usually cheeper.
0 upvotes
Brent Vullings ·
If there is any inaccurate reporting on your credit report, you should reach out to a credit repair attorney immediately. Many of us offer no cost legal services.
0 upvotes
Jonathan Todd MitchellBankruptcy AttorneySaint Petersburg, FLFL licensed ·
Depends on what you are trying to clean up. You can request copies of your credit report at the link below for free. And file disputes on inaccuracies for free. Obviously, negative information that is correctly reported will not go anywhere. Beware of credit cleaning companies that offer to clean up your record on the cheap. Many of them will do nothing more than file disputes, which you can do yourself for free. If you think you have information on your credit report that is violating federal and state credit reporting regulations, then you will need to consult an appropriate attorney.
0 upvotes

People Also Asked