Legally Represented Credit Counseling
Remove negative items in 15 days!
Every step of our legal credit counseling service strictly adheres to federal consumer protection laws - specifically the Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA). This legal framework protects your rights while our attorneys work to resolve credit reporting disputes on your behalf.
How Does Our Legally Represented Credit Counseling for $499.99
Process Work?
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**Step 1: Credit Sweep - Remove Negative Items Within 15 Days**
WBC Consulting Group will prepare Fair Trade Commission (FTC) reports to eliminate negative items in accordance with Consumer Law 15 U.S. Code § 1681c-2. These negative items removed within 15 days.
**Optional Step:**
After the negative items have been removed, we recommend updating your address and removing any previous addresses from your credit report.
**Why Update Your Address?**
Credit reporting agencies validate negative items based on the addresses linked to your credit accounts. Since you cannot remove those addresses while negative items are still on your credit report, it is advisable to update to a new address once the negative items are removed to prevent further validation issues.
02
Contact credit reporting agencies and creditors with dispute letters to validate any inaccurate information appearing on your credit report. They have 30 days after receiving your dispute to respond; failing to do so is a violation of the law.
If your address on the credit report is linked to negative items, you will receive an auto-generated response from the credit reporting agencies stating that they have validated your information. Similarly, the creditors will respond, confirming that they have validated their items as well. If the credit reporting agencies or creditors do not respond within the allotted 30 days, this violation will be documented in your file, which could be useful if a lawsuit is necessary.
Why do we document violations? All violations from either the credit reporting agencies or creditors will be documented if your items are not removed in accordance with consumer law. These violations will also be reported to the FTC. This documentation can help support your case in a lawsuit, allowing you to potentially receive compensation for each violation.
How common is it for me to potentially have a lawsuit? In approximately 90 percent of cases, once we have contacted the credit reporting agencies and documented these violations of validation as outlined in consumer law, the agencies will remove the disputed items. However, if they do not take action, you will receive compensation for each violation.
Example of violation costs: If your late payments are not properly validated under consumer law (specifically under 15USC code 16666B), each violation will incur a penalty of $1,000 for the credit reporting agencies.
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**STEP 3:**
The credit reporting agencies and creditors are allotted a period of 30 days from the date of receipt of your initial dispute to provide a response. Upon receiving their response—or if they fail to respond—WBC Consulting Group will initiate contact with the credit reporting agencies and creditors to request the requisite validation in accordance with consumer law. Additionally, we will document this process with the Federal Trade Commission (FTC) to ensure that any violations occurring between the credit reporting agencies and creditors are officially recorded. All disputes will be notarized prior to being submitted.
Following this, the credit reporting agencies and creditors will once again have 30 days to respond. At this juncture, they are obligated to remove all negative items that have not been properly validated or for which any documented violations exist. Should any negative items remain unremoved, you retain the right to initiate legal action against the credit reporting agencies and creditors for each violation committed. The WBC Group will facilitate a referral to a law firm specializing in lawsuits against credit reporting agencies and creditors, and will undertake this process on your behalf without requiring any upfront payment; fees will only be incurred upon resolution of the case.
Why do you need Legal Credit Counseling?
Consumer laws are designed to protect you from violations by credit reporting agencies. 15 U.S. Code § 1692g – Validation of Debts This law mandates that credit reporting agencies must validate any debts that you consider inaccurate. Have you ever received a notification from a credit reporting agency claiming to have validated your information without providing any documentation, especially if you personally disputed negative items or had a credit repair company dispute items on your behalf?
HOW WE CAN HELP?
We handle disputes like:
- Charge Offs
- Bankruptices
- Collection
- Repossessions
- Late Payment
- Inquires
We are not a credit repair company. Instead, we empower you by providing licensed attorneys who will effectively dispute all negative items on your credit report, ensuring that creditors and credit reporting agencies comply with consumer law.
Credit repair companies often face significant challenges in achieving results due to false claims and regulations that prevent them from charging fees before services are rendered. This has led states like Georgia to make credit repair illegal, with others potentially considering similar actions. Because credit repair companies have limited rights, credit reporting agencies and creditors know that hiring such a company often means waiving many of your consumer rights. As a result, they frequently respond to disputes with requests for validation since they are not obligated to comply with consumer laws unless you are represented by a licensed attorney with power of attorney. This situation often results in little or no success for the consumer.
Our attorneys demand proper validation as required under consumer laws or the removal of negative items from your credit report. There are no monthly fees because your assigned attorney will obtain power of attorney and dispute all items at once. This legal representation obligates creditors and credit reporting agencies to respond with validation of all items within 30 to 45 days, or the negative items must be removed.
Personalized Credit Solutions - Built Around Your Goals
Inquiry Removal
$199.99
*includes 10 inquiries
**WBC Consulting Group
Credit Repair Process:**
Total Cost : $499.99
*Bankruptcy not included
Bankruptcy Removal
$399.99
Do you offer a payment option for credit counseling repair?
Flexible Payment Solutions to Start Your Credit Journey Today
YES!
Consumer laws exist to protect you from violations by credit reporting agencies.
- Professional Representation:
An attorney can represent you and your interests in dealing with creditors and credit reporting agencies, ensuring that all communications are handled professionally and legally under consumer law. - Protection of Your Rights:
An attorney can ensure that your rights as a debtor are protected throughout the process, preventing unfair or illegal debt collection practices.
Our legal credit counseling service connects you with our network of partnered attorneys who will represent your consumer law matters.
Through our legal credit counseling service, you’ll be connected with one of our partnered consumer law attorneys who specialize in credit reporting matters. Our attorneys have extensive experience in handling credit disputes and consumer protection cases across all 50 states.
Our legal team assists with: • Credit reporting violations • Debt collection practices • Consumer protection matters
Recent Settlements Achieved with Credit Reporting Agencies
CALL US 24/7
Congratulations on progressing towards a promising future characterized by improved credit. Should you have limited credit lines, it is essential to incorporate positive primary lines of credit, and the WBC group will assist you in this endeavor.
- (888) 819-4508