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The Lawyers and staff at Centurion Law Firm have amassed significant experience and expertise in the laws and strategies of optimizing consumer credit files. We have developed our service based on this expertise to make the process as easy and straightforward for our clients as possible.

After you send us your credit reports, your advocate will analyze your file to determine a preferred course of action. Based on this analysis your advocate will contact you via your preferred method and discuss their results and recommendations. Once we have your approval, your advocate will begin the dispute process, including expertly drafting and sending correspondence with the credit bureaus. This correspondence is crafted in such a way as to ensure that the credit bureaus and creditors will take notice and react as the law requires them to do so.

Drafting correspondence in an expert manner is of utmost importance. As anyone who has attempted to dispute their credit without having a full knowledge and understanding of the law and strategies will tell you, this is a task more difficult than it appears. The same federal law that protects you, also provides some loopholes for the credit bureaus and creditors. According to these laws the bureaus can refuse your request to investigate a dispute under many circumstances. In fact, our experience shows that a very large number of consumer written letters are ignored by the credit bureaus.

After our expertly drafted correspondence has been received by the credit bureau, the law requires them to investigate the claim within a 30 day period and either verify or delete the information. At the conclusion of their investigation, you will receive a copy of their results along with a new copy of your credit report. Upon receipt of this information you should make a copy for your records, and then you must forward the originals to us. Based on our analysis of this new information we will continue to repeat the cycle of optimizing your credit.

The law requires that each and every disputed item must be accurate and verifiable for it to remain on your credit report. If the credit bureau investigation shows that the item is only somewhat inaccurate, they have the option of changing the item to reflect it accurately. Most times however, items that are disputed cannot be verified for a myriad of reasons, the creditor may no longer have the information or does not want to expend the resources to verify it.