Bad credit repair “quick fixes” do NOT exist, even coming from a credit repair “law firm” that promises to fix your credit today for just $59.00 /month.
What could be better than credit repair LAW firm?“It just sounded so good,” repeats “Mrs. B” of Orland, FL .
Mrs. B joins what seems like 1000s who throw their hard-earned money at just another pitch for great credit…even when the pitch comes from a law firm.
“They (law firm) said they had been using their incredible dispute system successfully with many clients and nearly 100% success deleting any kind of bad credit account,” Mrs. B. adds (emphasis added).
“…incredible dispute system….”
“…nearly 100% success?”
“…any kind of bad credit account?”
Seriously, what part of this does NOT sound too good to be true?
Mrs. B. contacted me asking what she can do to get her money back and fix her credit.
I understand. Mrs. B., as with many (many) others see Law Firm and instantly want to believe -- desperately want to believe -- their credit will improve -- the law firm knows what it is doing and never would “rip me off.”
Click Read More below now for “Mrs. B’s” real-life experience with a credit repair law firm advertising “all-inclusive” credit repair for $59.00 /month and a cancel anytime guarantee.
CREDIT REPAIR PROMISES SURPRISE MRS. “B”
The Mrs. B had heard enough.
Mrs. B. scheduled her consultation and was pleased with the personal attention she received during her assessment. She was convinced this law firm credit would help her and she finally could buy the house she desperately wanted.
According to Mrs. B, the law firm told her they would “….dive into every detail of (her) credit report to offer solid tools and solutions to get rid of the bad marks and to enable (her) to make good decisions to help build (her) credit.”
It’s a LAW FIRM - that must be good, right? Attorneys must know credit repair, right? Attorneys must scare the pants off debt collectors, right?It’s only $59 /month + $89 setup fee! What a steal to hire an attorney to fix your credit, right? I must be the only one whose attorneys seem to bill by the second -- $59.00 seems to cost me just to ask one question, let along study my credit reports, determine strategy & then write a letter if necessary…on just one account.All inclusive.Pay as you go.Cancel Anytime.
Mrs. B. paid her money, which set in motion one reality after another…not to Mrs. B’s satisfaction.
Mrs. B. heard nothing in the 1st 30 days as her bank account lost another $59.00.
When she called the law firm and asked to speak with the attorney “fixing” her credit, Mrs. B. was passed from one person to the next.
Finally, Mrs. B. was told to remain patient…that her “credit file was being reviewed for inaccuracies, unverifiable & outdated credit & personal information.”
It was only month 2, Mrs. B. thought, and the result would be worth the wait.
Mrs. B. received “notices” in the mail about previous addresses and employers and duplicate account information deleted from her reports. That had to good, right? Mrs. B. was pleased to see progress.
Five months later and $59.00 x 5 + $89.00, Mrs. B. had forked over $384.00 to her hired law firm.
Not once had she spoken to a lawyer, though she had asked several times.Not one “real” bad credit account had been deleted -- only a bunch of outdated and/or erroneous personal information such as past addresses, aliases & employers.Law firm didn’t deliver Mrs. B’s definition of “credit improvement.” She could not get financed to buy a home.Mrs. B. didn’t know what was being done to “help” her.She thought deleting bad credit was easy to do…for a law firm.She thought deleting bad credit (if easily done) would be enough to improve her credit.She didn’t understand the importance of seasoned, good credit & how to add seasoned, good credit.Mrs. B. paid and expected improved credit. She did her part….
Frustrated, Mrs. B. requested a refund after experiencing a 20-point improvement. Oops, no refund -- there was no guarantee on score improvement. Incidentally, there was score improvement ~ 20 points.
I don’t fault the law firm for any alleged misrepresentation -- the law firm clearly has helped Mrs. B improve her credit albeit 20 points. 
Mrs. B. believed she could pay $59 bucks a month and hire an attorney to improve her credit. Surely, Mrs. B. should have known better, don’t you think?
Even if you’ve been fortunate enough never to need to hire an attorney, you surely (must) know you might have better luck getting struck by lightning than hiring an attorney for $59 bucks a month.
All this time, you thought I was going to blast the law firm for not delivering on its “promise” to improve Mrs. B’s credit. For Mrs. B, I am sorry she expected more than she received.
If/When Mrs. B. decides to take responsibility for improving her own credit, she will see how time-consuming it is. It’s not easy, and I’m not going to lie/deceive/mislead you.
I am blessed to know two extremely knowledgeable (retired) attorneys who know federal law (Fair Credit Reporting Act & Fair Debt Collection Practices Act) better than I ever could hope to know…if ever I wanted to know.
The good news: YOU do NOT need A+ credit or a Ph.D in federal law and/or credit repair to improve your credit enough to buy a home…or anything else you want that demands good credit.
When I put together my 8 SECRETS TO A 680 CREDIT SCORE! I easily recognized the costly mistakes people make about credit improvement. On my CD/DVD, I address these power 8 immediately.
You jump ahead of the crowd hopelessly wondering around in a funk, wondering what the hell just happened followed by what to do about it.
You also avoid flushing your hard-earned money away while minimizing getting sued when those “personalized” template dispute letters remind debt collectors you want something.
Bad credit repair does NOT start with hope and a credit card payment. REAL credit improvement begins with recognizing you can’t buy your way out of bad credit and that “law firm” does not send you to the front of the line.
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