Beware of Credit "Repair"

Be wary of anyone claiming that they can get current accurate information on your credit report deleted.  Information can only be deleted from your credit report if it is inaccurate (i.e. not yours) or if it is obsolete, which usually means a derogatory item that is more than seven years old. Lately, I have seen a lot of ads on the internet promising to "repair" your credit by having accurate, current information removed from your credit report.  This simply does not happen and is, at best, a waste of money and, at worst, a scam.

Some of the ads I have seen for credit "repair" are obviously untrustworthy.  For instance, I keep getting Craigslist ads in my Google alerts for credit repair.  You should always beware anything on Craigslist but even more so when it involves a service that sounds too good to be true. These ads are clearly suspect and are easy to avoid.

Other ads are a bit slicker, like the ones for so called law firms in the credit repair business. From my experience from potential clients who seek to hire me after one or more credit repair law firms fail to help them (after taking a lot of their money, of course), the disputes lodged by the credit repair "law" firms look like they are written by a toddler with a thesaurus, using long words that sound impressive but make no sense in the context they are used and, as a result, are not even likely to get an error deleted, much less an accurate item.  From what I have been told, the credit bureaus routinely ignore disputes from known credit repair law firms since they dispute all derogatory items, not just the erroneous items, and thus have little or no credibility left with the credit bureaus.  

Do not fall for these scams.  If you want an actual error corrected on your credit report, contact the Kittell Law Firm in Hernando, Mississippi and we will be glad to assist you in correcting your credit reports.  Not only will we do our best to get your credit report corrected, if a violation of the Fair Credit Reporting Act has occurred, we will seek compensation for you as well.  Unlike credit repair "law" firms, we try to put money in your pocket, not take it from you.