 |
| |
| Answers to your Credit Repair / Rebuilding Questions |
|
| |
 |
|
| |
 |
Contact us |
Phone: 954-722-1300
Toll Free: 800-881-1300
Fax: 954-722-8125 |
|
|
| Credit Repair / Rebuilding Services |
 |
What We Do
- Credit Restoration
- Credit Enhancement
- Dispute all Incorrect Information
- Debt Negotiation
The Law Offices of Manny Singh, P.A. understands that good people can end up with less than perfect credit. We have a team of experts qualified in the field of banking, credit repair, and law. Now there is something you can do to improve your credit!
Many organizations brand themselves as credit repair companies, yet lack customer service. With our law firm, you are educated and empowered by being personally involved in every step of your credit restoration/enhancement process.
How We Do It
When you meet with our firm's Certified Credit Consultants (CCC), they will review your credit report from all three major bureaus with you. The CCCs will then explain, educate and review your personalized credit repair strategy.
We Can Dispute…
- Late Payments
- Charge-off Accounts
- Collections
- Judgments
- Tax Liens
- Public Records
- Bankruptcy
- Foreclosure
Don't let your bad or inaccurate credit control your future. Your credit score is the foundation of your ability to secure loans at the best rate possible. Today, it is mainly home and car loans. Tomorrow, it will be car and health insurance, renting, or even securing a job.
Invest in your credit future.
On average, a customer of the Law Offices of Manny Singh will see a credit score increase of 75 to 150 points!
Our Mission is to:
- Take a genuine interest in our clients, understand their objectives, and meet or exceed their expectations.
- We will work hard provide superior financial education in a timely, effective, and efficient basis, and maintain the highest standards of professional integrity.
Tips and Solutions
Certainly, bankruptcy give a fresh start and a second chance to restructure your finances. What you can do to rebuild your credit after bankruptcy is continue to make your monthly payments on time, which is of extreme importance, pay your bills by paying the entire balance, not just the minimum amount due.
Live within your means. Effective financial planning can make a big difference in the long run. Plan your expenses carefully and start saving money for the future. Within a year or so you will start to re-establish your credit. Avoid payday loans as they accompany a higher interest rate and can result in credit trap.
You should pay your reaffirmed, pre-bankruptcy debts on time. If you have a poor payment history along with a bankruptcy, it is reflected negatively on your credit score.
Open up a checking and savings account and manage it effectively.
Apply for a department store or gas credit card with a small credit limit and pay the bill without fail each month. It would be better if you set aside some money before it is due.
You should be paying of current utility bills on time for at least a year or more.
You can dispute debts on your credit report. As once you receive your discharge, your creditors should remove the amount owed from your credit report. Under the Fair Credit Reporting Act, if they do not do so, you may have a claim for damages.
For more than twenty five years, Law offices of Manny Singh has been helping people all over Florida rebuild their credit after filing for bankruptcy. We can suggest you various options, and you can chose one that fits your situation.
For further information contact Law Firm:
Law Offices of Manny Singh, P.A.
Credit Repair/Restore/Rebuild FAQs
|
| Q1 |
Do you charge for the initial consultation? |
| Ans |
No. Our initial consultation with you is free however, we charge a nominal fee of $49.95 in order to obtain a copy of your credit reports and put them through our scoring system to assess the likelihood of trade line removal. |
| |
|
| Q2 |
Is this only for people with bad credit? |
| Ans |
Definitely NOT! Someone with good credit might only have a couple of small items keeping them from great credit. With great credit comes better loan rates, easier qualifications for credit, and those low promotional rates you see advertised. |
| |
|
| Q3 |
Can’t just dispute items myself? |
| Ans |
YES. You can dispute items with the credit bureaus yourself. A couple of years ago that worked well. However, credit bureaus have made it more difficult today, requiring a very detailed process with "lawyer-like language" in order to have any major success. |
| |
|
| Q4 |
Do I get to see the letters sent out? |
| Ans |
YES. Although the Fair Credit Reporting Act states that “any dispute sent by a third party may be treated as frivolous and can be disregarded”. We not only let you see them, we require that you review and sign your letters. When comparing us to anyone else, ask if they will let you see the letters they send out on your behalf. |
| |
|
| Q5 |
How long does it take? |
| Ans |
Our 120 -day credit makeover plus program is our premier credit restoration services. Offering our clients a program that is not only transparent but provides a clear ending date with results that fall into three categories, deleted, verified, or prepare for lawsuit. |
| |
|
|
|
|
