Atlanta Credit Repair Lawyer corrects errors on your credit.

Our law firm helps Atlanta consumers fight credit bureaus, creditors, and collectors who are falsely reporting and makes them pay you damages.

Top Issues Atlanta Credit Repair Attorneys Handle

We can help Georgia consumers dispute the following common types of credit areas.

1.

Reporting the Wrong Balance/Already Paid

If a credit bureau is reporting you as having a balance due on something you've already paid off, representing as your Atlanta credit attorney, we can force them to correct the mistake and compensate you.

2.

Reporting Missed Payments When You Have Proof

Is your report showing that you missed payments when you clearly didn't? We can help you get the proof of your payment history to prove them wrong. In these types of cases, we make sure you have disputed to the correct agencies and have proof. Plus, we are near Atlanta. 

3.

Identity Theft on Credit 

Do you need an identity theft lawyer for unwanted accounts on your credit report? You will want an experienced attorney near Atlanta to get the fraudulent accounts removed. Otherwise, you will fight and not win. 


These can be valuable cases to you if the errors are not corrected after following the right steps and process.

4.

Does not Belong to Me -- Mixed/Merged with Another Person

Does it seem like your report has another's information and accounts on it? The more you learn about this type of merger one's credit report, the more you can see you will need a lawyer to pull back the curtains.

5.

Report Says Your Dead - When You Are Not

Your report says you're dead? That's likely a violation of the law. This is what I do as a credit repair attorney as opposed to a credit repair company.

6.

Bankruptcy Reporting Issues Such As Late Payments and Balances

If you need to repair your credit based on bankruptcy issues, then reach out. Your account should not show a balance due. Also, it should not show any missed payments. Many credit repair companies will charge you to for this. We will sue them. We aren't a credit repair company. We are a law firm that sues on a contingency basis.

Our “No Fee Guarantee” for Georgia 

We will never charge you any money unless we get you a recovery first. Period. That's our "No Fee Guarantee". We do this because the Fair Credit Reporting Act pays damages and your attorneys' fees if you win. That's why you don't pay unless we win.

I would recommend my friends or family members if they had the same problem.

L. Hogan

He was very easy to work with. He answered all of my questions.

gary h.

Atlanta Credit Attorney Benefits for You

We are not a credit repair service that just disputes anything that's bad on your credit. We are a credit law firm which means we only dispute items on your credit that we can prove are not true.

Credit Error Corrected Now

We make them fix it with the credit report laws. This is how we differ from a credit repair service in Atlanta, Georgia. We enforce the law when they hurt your credit score.

Pay You Damages Unlike Credit Repair Services

They are required to pay you damages under the law if you are successful. This includes any actual damages and any emotional stress you suffered such as stress, denials, and a higher credit score.

Pay Your Attorneys' Fees

They also have to pay you attorneys' fees. That's what we do. That is how we get paid from them so you don't have to worry unlike when dealing with a credit repair company. We are here to help in metro Atlanta, GA.

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About the attorney

Hi,

I'm  Joseph P. McClelland

As a Georgia and New York licensed attorney, I bring 20 years of experience to your side. 

I was recently quoted by Martha Stewart, Best Company, Newsday and Investopedia, to name a few. I am also the author of a new book on identity theft and credit repair.

If you have a question about a consumer issue, reach out. With an office in Decatur (within metro Atlanta, GA), we are here for you.

We are currently available remotely and virtually to serve you with a free consultation. See our Atlanta credit repair website for some of our results.

Faq

How much do you cost?

We don't charge you unless we recover a settlement for you. Unlike credit repair business and credit repair companies online, we don't do charge like that. Using FCRA lawyers for actual mistakes is a better solution than paying a credit repair companies to spend your money.

what is the law on credit reports?

The law requires the credit agencies to report accurate and complete information on your credit. If they don't, you have  a right to demand they fix it. If they don't, you have legal rights to sue them for damages and attorneys fees. 


We help you do this.


As an Atlanta credit repair attorney, we only dispute inaccurate information. We think credit repair should only be legitimate and legal. This is the basis of our credit repair services: we only dispute wrong information and not information just because it's negative.


When you credit score has taken a hit because of a credit error that's not your fault, we are you choice. We are not a credit repair company. We don't do credit counseling over bad credit. We are a credit reporting law firm. We can represent you right here in Atlanta, Ga. 


Many credit repair services or credit repair companies will dispute anything at all just to raise your credit score. We will only dispute information we know to be incorrect rather than anything to raise your credit scores.

Our credit repair services are intended to remove actual errors. In addition to this, our actions may increase your credit score if the errors were derogatory. We think it's best to get your free report from each credit bureau directly. You get multiple free reports each year. You can get your free credit by mail or your free credit reports online.

If you see a credit card or credit cards you don't recognize, you should notify us immediately. We help residents of Atlanta, Georgia handle credit issues.

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As you know, negative items on your report will lead to low credit. By removing those negative items, you should see results in your scores and improve your credit. If you need to repair credit because of an actual error, contact us for a free credit repair consultation.


Poor credit because of mistakes in the information being reported by the credit reporting agencies. The Federal Trade Commission or FTC is not part of the dispute process nor do they get a dispute letter to correct issues in your credit file. We don't have a money back guarantee because we don't charge out of pocket expenses.


We help clients find credit errors and mistakes on their credit report. These errors make your credit score fall below where you need it to be. Plus, even if you aren't denied a loan, you will get higher interest rates. Your life is now more expensive.

We can also help you correct these errors. We have the proper experience with how the credit bureaus react and what documents they need for each type of error. If your credit report has errors, we can help you fix them. We can work with you to dispute the errors and find the documents you need to prove you are correct.

Reach out to us as your reputable credit solution over an out-of-state company.. We offer free credit consultation. You will not be charged for this consultation. If we agree that you have a mistake on your credit, we will help you dispute that which may improve your credit history and credit scores. Since we don't charge you, we don't have to offer a money-back guarantee.


does the reporting have to be inaccurate?

Yes. There has to be something wrong on your report. Some credit repair companies with dispute things that are true. We don't. Untrustworthy credit repair companies make it harder for normal people to have their issues resolved. As a result, people end up hiring more credit repair companies. There is nothing wrong with credit repair, as long as your are doing credit repair steps (disputing properly) on actual errors.


Businesses like collection agencies, credit card companies, auto loans, utilities, and mortgages must all report correctly - even if they are reporting negative information. It must be accurate. 


This also applies to Equifax, Experian, and Trans Union.

About Atlanta

Atlanta has 479,655 people and is Georgia's biggest city. It is larger than Columbus, Macon, Augusta, and Savannah. As to the population, 37.6% of its residences are white, 51.5% are black, and the 4.3% are Hispanic. The median age of Atlanta's residents is 33.2 year old. Atlanta is a growing and vibrant city. Every year large corporations are moving their headquarters here and with that comes new jobs. New jobs brings new talent, cultures, and way of life.

how long does it take?

Each case is different. We can help you cerdit repair of real mistakes across Georgia including Albany, Alpharetta, Americus, Athens, Atlanta, Augusta, Bainbridge, Brunswick, Buford, Carrollton, Cartersville, College Park, Columbus, Cordele, Covington, Dalton, Decatur, Douglas , Douglasville, Dublin, Duluth, East Point, Forest Park, Gainesville, Griffin, Hinesville, Kennesaw, Kingsland, La Grange, Lawrenceville, Lilburn, Macon, Marietta, Milledgeville, Monroe, Moultrie, Newnan, Peachtree City, Powder Springs, Rome, Roswell, Saint Marys, Savannah, Smyrna, Snellville, Statesboro, Thomasville, Tifton, Union City, Valdosta, Vidalia, Warner Robins and Waycross. We are your Atlanta credit repair service.

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DISPUTE CREDIT ERRORS

  • Higher Interest Rates on all of your purchased items.
  • Denied Loans
  • Denied Apartments
  • Denied Home Mortgage
  • Denied Employment
  • Get Started Today


Get started today by filling out the form. We will email you or call you and give you a free case evaluation.

Our law firm will not share your data with anyone. Period. 

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