You may have seen advertisements that offer to repair blemishes on your credit report by removing any trace of a bankruptcy, judgment, bad loan or lien. They claim that they can help you to legally obtain a new identity, successfully acquire a car loan or even land a new job, but the truth is that it's nothing more than a well-organized scam. In most cases, you will be asked to pay hundreds or thousands of dollars in up-front fees—only to find out that the company has vanished with your money. In other cases, these companies will encourage you to engage in illegal activities in order to obtain a clean slate.
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For this reason, the Philadelphia credit report error lawyer at our firm asks you to consider the possible warning signs:
- They ask you to pay up-front before any services are actually provided
- They suggest that you apply for an Employer Identification Number
- They strongly recommend against contacting a credit bureau directly
- They advise you to dispute all of the information in your credit report
- They ask you to create new identity through a new Social Security Number
- They don't advise you on what you can and can't do on your own
Credit Restoration in Pennsylvania
While most credit repair scams will fail to inform you of this, everything that can be done to mend your credit can be done on your own. Some companies will attempt to convince you that they can fix your damaged credit in no time, but the truth is that there are very few ways in which this can be successfully completed.
Other than time, wise spending decisions and diligent credit error reporting, there is nothing that a credit repair company can do for you that you cannot do for yourself. For this reason, the Philadelphia FCRA attorney at our firm encourages you to learn more about the protections that you are afforded under the Fair Credit Reporting Act (FCRA).
Not only is it free to investigate and dispute any inaccurate information on your credit report, but it is a much better idea than throwing money at potential scammers. When you turn to the Law Office of Michael P. Forbes, PC for sound legal guidance, you can rest assured that we will always have your best interests in mind. Don't fall for the false promises of a credit repair scam; trust that our firm will do everything in our power to achieve the results that you are hoping for.
My goal is to reach as many people as possible to let them know that they do have the option to combat collection agency bullies.
CommittedMy firm is proud to deliver high-quality legal representation and compassionate counsel during this difficult time.
Over 25 years of experience and the qualifications to fight for you and your rights.
We fight back and make the debt collector pay YOU money for their abusive, harassing behavior.
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He managed to focus on the best outcomes for my family and our businessTH
"Fought for Me Like No Other. He's One of the Good Ones."J.W.
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"He Got Me Out of a Financial Mess"Jerry Timlin
"They are very straight forward and told us what to expect each step of the way. They are tireless advocates for their clients and profession."RD & AD
"Credit Report Inaccuracy Threatened My Promotion"R.T.
I trust Michael and as a result I highly recommend him.Heather C.
Michael P Forbes
VOTED AS ONE OF PENNSYLVANIA'S TOP LAWYERS
Mr. Forbes has always been driven by the desire to help others. With that in mind he began his law career representing indigent families in the Philadelphia family law system for seven years.
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