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Thread: Credit Dispute Attorneys?

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    Veteran Member RyanXO's Avatar
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    Mind Blowing Credit Dispute Attorneys?

    Does anyone know of any good attorneys in the Dallas area that are good with credit issues? As in can get any bad marks removed?

    I had a 700 Equifax credit score, now it dropped to 598 because a false dispute for 4800$ was reported 3 weeks ago. I have disputed, done the paperwork, etc. Now I am waiting. But in case this turns into a nightmare, can any lawyers help me? I am literally in tears freaking out. I escaped my mother and toxic family who fucked up my credit, I have built it up from the ground up. I have NEVER made ONE late payment. I have 3 credit cards, use 10% of each, and always pay them on time. I have no repos or debt. There was one medical bill but it will be gone in a year. I am so upset I feel like it was all for nothing. Luckily the other credit scores from transunion and such are still high 600's. They haven't been affected. Yet, at least.

    Please help me! I haven't been this upset since my brother passed away. Not to be dramatic, but this is so upsetting because no matter what I do, or the hard work I put in, it's always all for nothing. I am more responsible than anyone I know personally. I don't party, I pay my bills, and work hard while everyone else fucks off. It's so frustrating. I was so proud. I am 25 years old and was proud of myself for being young with good credit. I don't want to be 32 until I can have good credit again.

    One more question:worst case happens, it stays on (though it shouldn't it's not my debt). Can my score still improve if I keep my other good habits? Or will it stay under 600 until this collections goes away.

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    God/dess LAChloe's Avatar
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    Default Re: Credit Dispute Attorneys?

    Ok take a deep breath- this is going to be ok.

    Can you tell us what is being reported? Is it your debt at all? I need to know more about that first.

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    Default Re: Credit Dispute Attorneys?

    K, I have plenty of experience in credit related services and the first thing you NEED to understand is these things take time. Calling a lawyer may help and most will give you a free consultation (usually only 30 minutes to half an hour) but the worst part is the waiting game. When you submit your dispute documentation to Trans Union or Equifax, they start a "ticket" and commence an investigation. While they do say they are "working on it" they maybe hit your file once a week depending on volume. Unfortunately, you need to turn your energy to becoming the investigator. The first step is to Demand copies of any and all documentation relating to the account. This could be copies of applications, agreements, correspondence between you and the accusing party and statements showing exactly what the charges are for. Then you should look up "Statute of limitation on Debt in (insert your state here)". This will tell you if you are even legally liable for the debt anymore. In some states the limit of time in which to commence legal action or collect on a debt is 4 years in others 6 and other may be more or less. Do not be afraid to ask questions like do the accusing parties have copies of documents and when should you expect a copy by email or fax. Never wait for mail!! This is the age of technology and anyone who says they can'take do so because they don't want to get off their fat desk riding asses to walk 5 steps to the fax machine and press send. Always give them the impression that you are in complete control, and try to be nice. You'll get farther with honey than you will with vinegar. Once you have all the documentation READ EVERYTHING CAREFULLY. Anything they provide you with should give a clear indicator as to whether the debt is legit or not and then work from there. By that time the answers to your questions should be obvious. In the mean time do not stop what you are doing. Continue to manage your credit well make sure your saving and above all else don't worry about it. There is nothing more certain in life than death, taxes, and horney men.

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    Default Re: Credit Dispute Attorneys?

    Also, do NOT give them any money until you have established if the debt is yours or not. As giving them money will be considered acknowledgment of responsibility. And unless your certain the debt is yours don't take ownership just because they damaged your credit.

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    God/dess whirlerz's Avatar
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    Default Re: Credit Dispute Attorneys?

    I use a credit att'y. They aren't taking new cases, but they recommend Lexington Law, they work w ppl in any area. I don't know much about them, personally.
    You can also check out nolo.com
    Good luck.


    MANY MEN WANTED TO LAY ME DOWN, BUT FEW WANTED TO LIFT ME UP

    -Eartha Kitt

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    Veteran Member RyanXO's Avatar
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    Default Re: Credit Dispute Attorneys?

    Hey all thanks for the reply I figured out what's going on. I pulled reports and apparently it's the Social security administration. 5 years ago I had disability for depression and they are saying I was overpaid benefits. I called and asked why they didn't contact me. They had been mailing my old address which I had changed with them a long time ago. They said once I pay it back they remove it immediately once the first payment is made. Now my fear is they still won't remove it even once I pay. By I have no choice it seems it's the govt I can't fuck with that. I'm calling again to make sure this is taken off. Weird situation but my crazy family made me get disability because they needed money and I was "too crazy" to get a job. That's a story for life support though. Thank you ladies for the support this site has been a lifesaver!

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    God/dess LAChloe's Avatar
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    Default Re: Credit Dispute Attorneys?

    Quote Originally Posted by RyanXO View Post
    Hey all thanks for the reply I figured out what's going on. I pulled reports and apparently it's the Social security administration. 5 years ago I had disability for depression and they are saying I was overpaid benefits. I called and asked why they didn't contact me. They had been mailing my old address which I had changed with them a long time ago. They said once I pay it back they remove it immediately once the first payment is made. Now my fear is they still won't remove it even once I pay. By I have no choice it seems it's the govt I can't fuck with that. I'm calling again to make sure this is taken off. Weird situation but my crazy family made me get disability because they needed money and I was "too crazy" to get a job. That's a story for life support though. Thank you ladies for the support this site has been a lifesaver!
    Give them your new address and ask them to put everything in writing and send it to you.

    Once you have made the first payment, send proof of payment and a copy of the letter from the SSA to the credit bureaus and have it removed.

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    Default Re: Credit Dispute Attorneys?

    Quote Originally Posted by LAChloe View Post
    Give them your new address and ask them to put everything in writing and send it to you.

    Once you have made the first payment, send proof of payment and a copy of the letter from the SSA to the credit bureaus and have it removed.
    This, also in the future if you have to dispute something send it certified then it is easier to get it off. By this I mean mail the dispute/ debt validation letter to the creditor reporting it with a green slip, then 30 days later mail a copy of the clip, letter and a demand letter the credit bureau immediately and permanently remove the remark (unless 1st creditor was able to verify the debt).
    XoXo Gia
    Danielle Fishell (the Dish): "If the Super-Star thing doesn't work out, Gia makes a great stripper name"

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    Veteran Member RyanXO's Avatar
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    Default Re: Credit Dispute Attorneys?

    I've done some research and apparently I am not the only one this is happening to. Due to budget cuts and understaffing, people have been receiving incorrect amounts and are being asked to repay thousands of dollars. If you or anyone you know receives SSA disability assistance, I wanted to warn you. This is really scary to those with mental/physical disabilities whether long-term or short-term. Be careful!!!!

    https://www.learnvest.com/2013/12/so...y-overpaid-me/

    http://money.cnn.com/2013/10/28/pf/s...rity-overpaid/

    http://fox8.com/2013/10/29/social-se...or-recipients/

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