Ready to say goodbye to student loan debt for good? Learn More
X
2020 Best Invention

How To Find a Credit Repair Lawyer

2 minute read Upsolve is a nonprofit tool that helps you file bankruptcy for free. Think TurboTax for bankruptcy. Get free education, customer support, and community. Featured in Forbes 4x and funded by institutions like Harvard University so we'll never ask you for a credit card. Explore our free tool


In a Nutshell

A credit lawyer can help you repair your credit score by correcting mistakes and errors on your credit report. But you can perform many of these steps yourself without an attorney.

Written by Jonathan Petts
Updated May 10, 2023


Why Do You Need a Credit Repair Lawyer?

Unfortunately, many people realize too late that it is far too easy to damage a credit rating. By the time they search for a credit lawyer, their credit scores have already fallen. But you can repair your credit rating. Credit ratings are not permanent. The scores change based on your credit history. So, you can begin right now to repair your credit — with or without a credit lawyer.

What Does a Credit Lawyer Do?

A credit lawyer helps clients with credit repair when their credit ratings have been damaged. Your credit lawyer performs several services aimed at helping you improve your credit score.

Some of the services a credit lawyer may perform include:

  • Obtaining copies of your credit report from all for the credit lawyer to review;

  • Notating mistakes on the credit reports;

  • The credit lawyer takes steps to correct the mistakes and errors on the credit reports;

  • Verifies negative items have been removed that should no longer be on your credit history;

  • A credit lawyer negotiates with creditors to; and,

  • If a is filed, the credit lawyer represents you in court.

Depending on your unique situation, the credit lawyer may perform other services to help repair your credit rating.

Upsolve User Experiences

2,117+ Members Online
Christina Filbert
Christina Filbert
★★★★★ 7 hours ago
I had an easy time understanding what i was doing and I felt comfortable with everything that I read as well.
Read more Google reviews ⇾
John Springer (Architect)
John Springer Architect
★★★★★ 2 days ago
Excellent, You Just need to be through when answering questions.
Read more Google reviews ⇾
Joyce Johnson
Joyce Johnson
★★★★★ 2 days ago
Upsolve is easy straightforward convenient they walk you through the paperwork that you need and when it's time to print out they make that easy as well I want to thank up solve for helping me with my bankruptcy and it's dress free.
Read more Google reviews ⇾

Do I Need a Credit Repair Lawyer?

You can do many of the things that a credit lawyer does to repair your credit. However, correcting a credit report can be a time-consuming and frustrating experience. Creditors and credit reporting agencies can be very difficult to work with when they made a mistake. These companies require an abundance of proof there is an error and then they are still slow to act.

In addition to the frustration of dealing with your creditors and the credit reporting agencies, you need to understand your legal rights. You should also understand how to recognize and avoid credit repair scams.

If you are not an attorney, you may not know your rights. You may not understand the steps to take to repair your credit score. A credit lawyer can provide legal advice that you may not receive from a credit repair company.

How To Avoid Credit Repair Scams

The Federal Trade Commission provides information on credit repair scams. Some of the signs of a credit repair scam include:

  • Promises that you will have a new credit identity;

  • Insist on receiving payment before work is performed;

  • Recommends that you dispute accurate information on your credit report;

  • Does not explain your legal rights regarding their services;

  • Advises you to use false information when you apply for a loan or credit account; and,

  • Tells you that you should not contact credit reporting agencies directly.

If you want to use a company or credit lawyer to help repair your credit, you should read the information from the FTC about your rights under the Credit Repair Organization Act (CROA).

DIY Credit Repair

The FTC provides information and steps for disputing errors on credit reports. You can perform many of these steps yourself. If you are unable to correct problems on your credit report, you can contact a credit lawyer.

One of the first steps you need to take is to order your free copies of your credit reports. You are entitled to free copies every 12 months. You can follow the steps provided by the FTC for disputing errors and mistakes.

It may take a significant amount of time, but you can save money by doing the work to repair your credit yourself.

Check out the video below ⬇️for more information.

Do You Need To File for Bankruptcy Relief?

In some cases, the first step to repair your credit is to get rid of bad debt. Filing a Chapter 7 or Chapter 13 bankruptcy case can eliminate debt.

If you can hire a bankruptcy attorney, that is usually advised. However, you can file for bankruptcy relief without an attorney.

Upsolve is a non-profit organization dedicated to helping individuals obtain the bankruptcy relief they need at no cost, even when they can't afford to hire a bankruptcy attorney.



Written By:

Jonathan Petts

LinkedIn

Jonathan Petts has over 10 years of experience in bankruptcy and is co-founder and CEO of Upsolve. Attorney Petts has an LLM in Bankruptcy from St. John's University, clerked for two federal bankruptcy judges, and worked at two top New York City law firms specializing in bankrupt... read more about Jonathan Petts

It's easy to get help

Choose one of the options below to get assistance with your bankruptcy:

Free Web App

Take our screener to see if Upsolve is right for you.

Take Screener
13,311 families have filed with Upsolve! ☆
or

Private Attorney

Get a free bankruptcy evaluation from an independent law firm.

Find Attorney

Learning Center

Research and understand your options with our articles and guides.

Go to Learning Center →

Already an Upsolve user?

Read Support Articles →
Y-Combinator

Upsolve is a 501(c)(3) nonprofit that started in 2016. Our mission is to help low-income families who cannot afford lawyers file bankruptcy for free, using an online web app. Our team includes lawyers, engineers, and judges. We have world-class funders that include the U.S. government, former Google CEO Eric Schmidt, and leading foundations. It's one of the greatest civil rights injustices of our time that low-income families can't access their basic rights when they can't afford to pay for help. Combining direct services and advocacy, we're fighting this injustice.

To learn more, read why we started Upsolve in 2016, our reviews from past users, and our press coverage from places like the New York Times and Wall Street Journal.