After the credit repair attorneys at Smith & Garg analyze and examine your credit reports, meet with you, either via telephone or in person, to develop a specific customized plan, we notify TransUnion, Experian and Equifax that you are represented by the credit repair attorneys at Smith & Garg, we begin to correct outdated, erroneous, misleading, or unfounded and derogatory information contained on your reports. It is important to understand that, during this segment of the repair process, there are legal timelines of 30 and 45 days the credit reporting agencies have within which to respond to any dispute. Smith & Garg clients will likely receive correspondence from the reporting bureaus and ma even some creditors throughout the repair process. It is important that you forward all correspondence received during this time to the credit repair lawyer for review and response, if necessary.
If there is no response from the credit reporting agencies within the allotted timeframe, the disputed entry must be removed by law. However oftentimes, the Credit Reporting Agencies are not responsive and require the action by the Smith & Garg attorneys. At Smith & Garg, we deal daily with the inaction and delay of credit reporting agencies and creditors. Your Smith & Garg credit repair attorney strives to ensure that the credit reporting agencies remove all the information that is legitimately removable. In some cases, it is necessary for the credit repair lawyers at Smith & Garg to contact the creditor directly in order to remove the negative entry. In such case, it is important to have the experienced Smith & Garg credit repair attorneys on your side.