General Practice

Grear Law is a general practice law firm that handles both Civil and Criminal cases.  Some areas of practice are Consumer Bankruptcy, Automobile Accidents, Workers Compensation, Social Security Disability, Traffic Tickets, Wills, Credit Repair, Estates and Business Formations.  Also included in its practice are criminal record expunction, powers of attorney and deed preparations. 

Credit Repair PDF Print E-mail

YOUR RIGHTS REGARDING CREDIT REPAIR

You have to ask for your report within 60 days of receiving notice of the action. The notice will give you the name, address, and phone number of the consumer reporting company. You’re also entitled to one free report a year if you’re unemployed and plan to look for a job within 60 days; if you’re on welfare; or if your report is inaccurate because of fraud, including identity theft. 

No one can legally remove accurate and timely negative information from a credit report. Thelaw allows you to ask for an investigation of information in your file that you dispute as inaccurate or incomplete. There is no charge for this. Some people hire a company to investigate on their behalf, but many things a credit repair clinic can do legally, you can do for yourself at little or no cost.   Obviously, lawyers are not as limited in what they can do as clinics.  According to the Fair Credit Reporting Act (FCRA).  You’re entitled to a free report if a company takes “adverse action” against you, like denying your application for credit, insurance, or employment.

 

 

Each of the nationwide consumer reporting companies — Equifax, Experian, and TransUnion — is required to provide you with a free copy of your credit report once every 12 months, if you ask for it. The three companies have a central website, a toll-free telephone number, and a mailing address for consumers to order the free annual credit reports the government entitles them to. To order, go to www.annualcreditreport.com or call 1-877-322-8228. It doesn’t cost anything to dispute mistakes or outdated items on your credit report. Under the FCRA, both the consumer reporting company and the information provider (that is, the person, company, or organization that provides information about you to a consumer reporting company) are responsible for correcting inaccurate or incomplete information in your report. To take advantage of all your rights under the FCRA, contact the consumer reporting company and the information provider.