I was born in and have lived in California my entire life.

 

My company Specializes in assisting consumers to raise their FICO score and win the battle against BAD CREDIT.

 

I work with both loan agents and Realtors to help them qualify their leads that have less than desirable credit situations.

 

By doing so, the AGENTS MAKE MORE MONEY  and their client can participate in HOME OWNERSHIP or REFINANCING at a LOWER RATE.

 

It is a win win situation for everyone.

 

I am a trained Paralegal with 15 years experience working with credit repair and collections. I am familiar with all federal laws, appellate case law, and I know how to challenge your creditors to prove their claim against you TO THE LETTER OF THE LAW.

 

 

I am familiar with both the FTC and state attorney general complaint procedures.

 

Currently, the market is full of credit repair "specialists" who got started in the late 90's when Equifax was hit with a 2.5 million dollar class action lawsuit in the fifth circuit federal court of appeals in Atlanta Georgia. The decision was binding on all 3 major credit bureaus. Part of the verdict required the credit bureaus to inform consumers of their dispute rights. The credit bureaus used that ruling as an opportunity to use their access to mass media to put down a rising threat they felt from a growing credit repair industry. The bureaus created literature and marketing campaigns that convinced consumers that they can "do their own credit disputing". This resulted in a mass flooding of disputes to the bureaus by do it yourself credit repair individuals. For a few years, amateurs had no trouble "spamming": the bureaus and getting results from cleaning their own credit.

 

This led some people to start charging for helping others.

 

However, the bureaus caught on and expanded their computer capabilities. In addition to that, they lobbied to get changes to the FCRA that allows them to declare repetitive disputes "frivolous" and refuse to investigate. Since many of these "specialists" did not have  legal backgrounds, have any understanding of federal case law, or were not familiar with the governmental complaint process,they are now unable to perform as promised.

 

They have no idea how to do anything more than what you can do yourself. Anyone can send one dispute letter after another.

 

This problem led Congress to draft the Credit Repair Organization Act (CROA). This is a congressional statue that regulates credit repair organizations.

 

I would not advise doing business with anyone who is not in compliance.

 

The FTC is correct when it states that these types of companies can not perform.

 

However, there are some companies that understand the legal procedures and principles needed to get hard to remove items off your report. These are the ones who really understand how to LEGALLY MANIPULATE the FICO scoring process as well as the legal aspects required to force compliance from abusive collectors. I attack the credit bureaus power by conducting an investigation under a body of federal law that allows me to see hard evidence from the creditor. Then I challenge whatever they send as insufficient knowing that 90% of the time it is.

 

However, the untrained eye wouldn't recognize deficiencies in validation or most violations of your consumer protection rights.

 

You must know the appellate court case law inside and out to spot that.

 

I exploit routine practices in the collection industry that conflict with federal requirements for validation making validation almost impossible.

 

This means getting results FAST!

 

Repetitive disputes to the bureaus give the bureaus too much power and are just one part of raising your score.

 

What I do is a tried and true method that attorneys use that gets your FICO score way up!

 

My goal is for everyone to have a 720+ score.