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Credit Repair

Credit scores are something we hear a lot about – on television, radio ads, and from friends and family. But just how important are they, really? And what kinds of remedies exist for poor credit?

Is credit repair right for me?

Credit repair is a popular option for people who desire to improve their credit score. Sometimes, the best option to repair your credit might be declaring bankruptcy, which can help you discharge debt from medical bills, credit card debt, personal loans, and utility bills. Each situation is different though, and it can be difficult to know if declaring bankruptcy is the best credit repair option. Understanding how credit repair works can give you a better idea of what you should do in your situation.

Inaccurate Information on a Credit Report

If your credit score has dipped due to inaccurate information, don't panic. You can write the credit reporting company to tell them what information you think is inaccurate, being sure to include supporting documentation for your claim. Be sure you make copies of everything you send. Send your letter by certified mail and request a return receipt to ensure the credit reporting company can't say they didn't receive your request. The credit reporting company is required to send you the results of their investigation in writing unless your dispute is frivolous. If your credit score changes, the credit reporting company is required to send you a new, free credit report.

Beware of Illegitimate Credit Repair Help

Credit repair companies are proliferating rapidly, but many of them are not honest schemes. Scam artists are increasingly posing as credit repair companies and claiming that they can do things like erase your loans or pull negative information from your credit report. Look out for companies that request an upfront fee before credit repair, that ask you to sign blank forms or give personal information such as your federal tax ID, or offer to create a new credit report for you with different identifying information. These are not legitimate practices and they raise red flags. In fact, it is illegal under Pennsylvania law 73 P.S. section 2183 for a credit services organization to charge any money before they have completed services for you. It is illegal under the same law for credit services organizations to misrepresent their services or what they can do for you in any way, including advertising that guarantees you can obtain credit.

Alternative Option for Bad Credit

If you don't believe a credit repair will work for you, you may want to consider bankruptcy. While this may seem like a last resort option, what many people don't realize is that it does have great benefits. You'll be able to discharge all of your debt, get the creditors off your back, and start rebuilding your credit for a better financial future.

To learn more about credit repair and the possibility of bankruptcy, contact lawyer John M. Kenney in Fairless Hills, Pennsylvania. With over 30 years of experience, John M. Kenney has served as a trusted legal advisor for many Pennsylvanians looking to improve their credit. To schedule a free consultation regarding your situation, please call (215) 547-3031, email, or fill out and submit our online Contact Us form.

Client Reviews
John was able to help us with an emergency with my dad, we needed a poa ASAP, he drew up the paperwork and even came to the hospital to meet and witness what he needed to. Ge was personable to my dad and explained everything to him and us. Definitely recommend him to anyone, he gets the job done promptly and professionally. Thanks again so very much! John Killgore
I thought I could handle my divorce by completing all my forms on my own. Well, I was wrong and the courts couldn't tell me what I did wrong. After 2 years of going back and forth trying to figure out what I did wrong, I decided to hand it over to a professional/lawyer. I found John on a Google search. I was able to get an appointment right away with him. He was able to work around my schedule. John took control of everything and and within 3 weeks my divorce was completed. I would definitely recommend him to friends and family Joanna Kane
Mr. Kenney provided me with top notch service within a very in small window to represent me. Mr. Kenny represented me in a very complex custody case in the state of PA. Mr. Kenny was very knowledgeable, patient, attentive, assertive, reliable, and has a great reputation. I would strong recommend Mr. Kenny as your future attorney to represent you in the state of PA/NJ. Make no hesitation and call him today, you will not be disappointed. April Harrison