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Analyze & Examine Credit Report from all three Credit Reporting Agencies

Analyze Credit Report » Develop Custom Plan » Contact Agencies » Adjust Initial Plan » Negotiate With Creditors » Strengthen Credit » Monitor Credit

The first step the credit repair attorneys at Garg & Associates take to repair your credit is to obtain a credit report from each of the three major credit reporting agencies: TransUnion, Equifax and Experian. It is important to understand that each reporting agency has a different set of criteria and a different focus with regard to what they report. And, some creditors simply use one agency over another. Therefore, each report must be examined separately. After analyzing the credit reports, an attorney, not a paralegal, not a sales representative, not a service representative or staff member, will consult personally with you and address each negative entry on your credit report. This can be done in person or over the phone. The consultation is designed to let you know exactly why your credit rating is poor or unfavorable and to develop a clear understanding of your options. In addition to addressing negative or erroneous credit entries and scores, the credit repair attorneys at Garg & Associates will also address the reasons why your credit score is low and offer suggestions for you to begin restoring your score. Our credit repair lawyers will explain to you the nature of the negative entry and its impact on your credit score and what can be done to eliminate or minimize its negative effect.

In most cases, your Garg & Associates credit repair attorney will suggest that your credit score be monitored monthly by a third party agency. A monitoring service usually charges a fee of less than $20.00 per month and offers unlimited access to your reports from all three major agencies. This is a good tool to track all changes to your report so you can act quickly to dispute any irregularities.

Next Step » in the Garg & Associates credit repair process » Develop Initial Customized Plan to Repair Credit

Contact the Credit Repair Attorneys at Garg & Associates today to get started!