Shopping for credit repair services in Ohio can be tricky. The industry is rife with thieves, charlatans, and con artists. Yet, there are also some very legitimate players as well. So how can you tell a legit credit repair company from a non-legit one? Follow these rules, and you will [...]
If you are asking about how credit repair works, you are no dummy. It’s an excellent question. It’s a multi-step process that works like this: In Ohio, you should pull your credit reports and review them for inaccurate or unverifiable information. These are two separate concepts. Inaccurate information can include [...]
With so many lawsuits being filed by the Federal Trade Commission and the Consumer Financial Protection Bureau against credit repair companies, it truly makes one wonder if, indeed, credit repair companies are legit? The short answer is, yes, but very few of them are. The latest credit repair companies to [...]
At The Law Offices of Gary D. Nitzkin, P.C. we often get asked whether “credit repair companies work” in Ohio. It’s a complicated question depending on who is doing the credit repair and what things you expect to be removed from your credit report. Let's dig in. For Credit Repair [...]
Credit repair companies in Ohio come in two flavors; those who play by the rules and those who don’t. It’s hard to tell the difference these days, even in the age of Google since reviews can now be purchased from strangers who have had no experience with the company they [...]
Like anything else, you can repair your own credit report, if you know how. As an attorney, I can tell you that after years of credit repair litigation that credit repair is not a good DIY project. While I am happy to share some of the principles that you die-hard [...]
A good credit repair company can help you boost your credit score, especially when it's being held down by inaccurately reporting negative information. Most credit reports have inaccurately reported negative information on them. Under the law, it's your job to stay to review and keep your credit report clean. Unfortunately, [...]
If you were a credit repair client or agent with Financial Education Services (“FES”) or United Wealth Education (“UWE”), your journey with them has come to an abrupt end. The FTC shut them down on May 25, 2022. The businesses are in receivership meaning that the court appointed someone to [...]
Credit repair is a service that is desperately needed. The credit bureaus report inaccurate information on 80% of credit reports. Half of those inaccuracies depress peoples’ credit scores. If you have a common name like “John Smith”, there is a good chance that someone else’s information is on your credit [...]
Many people, unfortunately, get in over their heads in debt. When that happens, the creditor often agrees to settle the debt for less. Lately, we have been seeing several lawsuits against creditors who continue to report debts that they have settled with consumers as still open and late. This hurts [...]
