Athens Credit Repair Lawyer corrects errors on your credit.

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

Top Issues Athens Credit Repair Attorneys Handle

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


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 Athens credit attorney, we can force them to correct the mistake and compensate you.


Reporting Missed Payments

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. Plus, we are near Athens. 


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 Athens to get the fraudulent accounts removed.


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 of credit reports, the more you can see you will need a lawyer to pull back the curtains.


Report Says Your Dead

Your report says you're dead? That's likely a violation of the law. We can handle that.


Bankruptcy Reporting Issues

If you need to repair your credit based on bankruptcy issues, then reach out. Your account should not show a balance due if you filed. Also, it should not show any missed payments in the past. 

Our “No Fee Guarantee”

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.

Athens Credit Attorney Benefits

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

We make them fix the issue by using the credit report laws. This is one of our main concerns to make sure we have done our job: making sure you have correct information on your credit report.

Pay You Damages

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.

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.

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About the attorney


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.

If you have a question about a consumer issue, reach out. If I can't help you, I'm sure I will know someone who can.

Attorney Joseph McClelland


How much do you cost?

We don't charge you unless we recover a settlement for you.

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.

Credit Repair Atlanta Fees
Credit Repair Atlanta Legally
Credit Repair Atlanta For Credit Errors

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.

does the reporting have to be inaccurate?

Yes. There has to be something wrong on your report.

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.

how long does it take?

Each case is different, but generally starting within one month. Some cases will need to be litigated for months if not over one year. 

We can help you 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.



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