You shouldn’t be surprised to learn professionals like attorneys, accountants and tax professionals have stepped into the field of addressing the credit report issues for consumers as well. For some companies this has become big business. In fact several firms and professionals specialize in dealing with your credit reports and credit files. If you have done all you can to correct the information on your credit file but have not managed to get the results to your satisfaction, it may be the time to seek the assistance of one such expert.
It is also true that alternatives to licensed professionals have become popular a lot in recent years. You will find several so-called do-it-yourself kits and legal document services. However, relying self-help kit that consists of an e-book of a few pages or a flyby at night service to repair your credit is not a way to handle your credit file. Remember that your credit file is an extremely important instrument concerning your financial health. Your credit score is something that will continue to impact your financial prospects in the future as well. You should not take resort to the trying to take advantage of nefarious or dubious tactics or services that promise to increase your credit score. You are much better off doing things in a proper and responsible manner by investing your time and money in educating yourself and or seeking the help of an attorney, accountant or tax professional.
If all your efforts to correct the information on your credit report do not get you the result you want, you may even consider filing a lawsuit if you feel that your credit report rights have been violated. The first thing to do will be to find a lawyer who has experience in the area of lawsuits regarding consumer rights.
When it comes to finding consumer attorneys, they are basically of two kinds, and litigators and non-litigators. The litigator is an attorney who fights the court case for you in the courtroom and has experience in pursuing such cases in the court. A non-litigator is also known as a transactional attorney and is not usually in the courtroom very often. This is because the lawyer either prefers to settle the matters before they get to court or he just doesn’t have enough experience handling is such trials. Either kind of attorney can start writing letters on your behalf. Even this can be awful lot of assistance because having requests sent from a legal representative will be met by response from the legal department of the credit reporting agency which in turn can get you some results. However, if you still don’t get the results you want, you may have to take as the credit reporting agency to court. This is where you will need to carefully consider the attorney’s credentials and experience.
Your probability of winning is based on factual evidence and documentation.
Tips to know before hiring an attorney to address your credit issues
When you walk in to the attorneys office, pay attention to how the office is run. Is the staff friendly, helpful and professional? Or are they running about frantically, letting the phone ring off the hook or complaining under the breath?
During your initial consultation of the attorney questions and see if he or she addresses all the concerns and is realistic about the outcome of the case. Keep in mind that there will be pros and cons to bringing a lawsuit and there is even a possibility you could loose and be responsible for the other sides costs spent to defend your suit.
Read through the attorneys retained agreement carefully. Take it home if you need more time to study it. If the attorney is not willing to provide you with a copy of the written agreement ahead of time then you are better off finding another attorney.