At MyCRA Lawyers, credit repair involves the investigation of the validity of a credit listing under current credit reporting and industry law.
Generally, if you have a negative listing on your credit file it will prevent you from getting mainstream credit (at affordable interest rates) for between 5 and 7 years.
If there is something on your credit file – a negative listing such as a default, Writ or Judgment which you believe is there in error, is unfair or just shouldn’t be there, then you can engage a credit reporting lawyer at MyCRA Lawyers to investigate it for you.
In more detail, credit repair involves the auditing of your Credit Provider to ascertain whether the method and or circumstances of your credit listing were compliant with current credit reporting and or industry law. If mistakes in the process are identified, then we will make a complaint on your behalf. (We remove virtually all defaults we investigate because we know the law much better than the creditors!)
If it can be demonstrated that a listing was placed unlawfully on your credit file (better than 9 out of 10 chance), then by law your Credit Provider is required to remove the bad credit listing.