How can I get a medical claim removed from my credit report?

Audit/Dispute it to the credit bureaus and the credit collection agency. There is a direct conflict between the HIPAA non-disclosure of personal...

Is it worthwhile to dispute items on my credit report even though my bankruptcy has not been discharged?

Yes it is worthwhile. Regardless of the bankruptcy, all items on your report are affecting how your score is calculated in the algorithm. All...

My dog was attack and killed by my neighbor two pit bulls can I sue

You have multiple options on how to handle the situation. You'll have a property claim, as noted below. You should also think about the safety of...

My credit score is 695 I have zero loans or credit cards. Wondering if theres anything I can do to get better credit

New trade lines make a big difference in scores as they affect approximately 70% of your scores in the various algorithms. (Debt-to-credit ratio,...

Credit Reporting Agencies, do they require proof of a debt?

The credit reporting agencies are for-profit institutions who get paid for each account reported to them. They are a hired gun used by creditors in...

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Can you sue the credit bureau if they won't take off someone else stuff that some how is on my credit?

I specialize in FCRA issues with bureaus, creditors, and third party debt collectors. If you audit them under the Fair Credit Reporting Act, they...

I am fixing to hit a financial block and am finding it hard to pay monthly debts. Would a credit card company settle?

A credit card company will entertain an offer from you below what they would normally accept if you can show economic hardship. Particularly if you...

Do I have any protection given my divorce decree (can I get my name off the mortgage and credit repaired at this point).

You have another option beyond having the ex refinance. The divorce decree does not control over the contracts/deeds. Execute a warranty deed...

Why does my credit score remain so low? Is there a legal recourse I have besides a credit repair company or bankruptcy?

About 30% of your score is debt-to-credit ratios. 30% is account history/length. 15% is a mix of different types of credit with an optimal ratio of...

Are credit card companies forced to give information relative to actual FACTS regarding an account on in an actual hearing?

Under the Fair Credit Reporting Act, the bureaus, creditors, and third party collection agents are required to only report what is factual and...