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DONNER & DONNER
Attorneys at Law |
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COLLECTION/CREDIT REPAIR |
Established: 1993 |
Are mistakes on your credit report costing you money?
When a friend first who works in the credit
repair business asked me this question, I immediately tuned him
out thinking that he was giving me a sales pitch that I could
politely ignore. I told him I had great credit and did not need
to worry about my credit report. He told me I was probably right
and to call him about it if I ever needed to fix my credit
report.
When I was shopping for a loan to refinance
my house to take advantage of the low interest rates I told all
of the potential lenders that I had superb credit and asked only
about their “best” rates. But, when they ran my credit report I
was told that I not only did not qualify for the best rates, but
that I had a less than stellar credit score.
I did not understand how this could
happen. After all, I have been a successful attorney for ten
years and pay all my bills as they come due. I still received
several offers a week from credit card companies offering me
credit that I would routinely throw away without even reviewing
them. I called my credit repair buddy back and started paying
attention to what he said.
Your
Credit Reports have Information From Your Creditors
My credit repair buddy told me that even though I
should have stellar credit, it is possible that
proper information that should be on my credit report just
hasn’t made its way there. Or, that damaging information that
should not be on my credit report has mistakenly been placed
there. In some cases, other people’s bad credit history may have
been inadvertently been placed on another’s credit report.
Your credit varies depending on
the Credit Bureau
Another important piece of information was the
fact that each of the three major credit bureaus, Equifax,
Experian (formerly TRW) and TransUnion, maintain their own
credit report for each consumer. Their reports are NOT
necessarily the same. Thus, each of the three can have different
erroneous information and different credit scores (also known as
a “FICO” score).
For a small fee ($24) my friend ran my
credit report for all three credit bureaus. It turned out that
there showed several items of credit that should no longer have
been on my report. There were duplicate items of credit where I
had transferred a balance from one credit card to another. And,
the information on each credit report was different.
Why does my credit report
matter to me?
With this information I
started paying attention to the credit card offers I was
getting. That week I checked the mail at home and discovered
that the credit card offers we were getting did not seem to be
nearly as good as they used to be. Instead of having the very
low rates offered to us like we used to get, the “teaser” rates
were higher and did not last as long, and the final rate was
significantly higher than the offers we used to get.
My credit repair friend gave me some information
background information on what poor credit means to me. It can
be stated bluntly that poor credit costs me more money than if I
had good credit. Basically it boils down to this: creditors
(people from whom you borrow money whether by credit card, home
loan, etc.) generally believe that the better your credit rating
the less likely you are to default on any of your credit
obligations. The less likely you are to default, the easier it
is to obtain credit AND the better the terms of the credit you
obtain. Bottom line: The better terms you can get means the
lower your interest rate that means you save money!
The easiest way to repair
your credit report is to hire someone to do it cheaply and with
the least hassle for you. We
currently charge on an hourly basis for the work that we do at
the rate of $275 per hour for credit repair. The work we
do is based solely on the amount of time spent on a client's
file. Sometimes issues can be resolved quickly and
cheaply.
Can I repair my credit report
myself?
Sure. In fact both the
Federal Government and California have credit reporting laws to
protect consumers and place certain requirements on the credit
bureaus. An individual can do it without help. However, writing
dispute letters to each of the credit bureaus can be a daunting
and time-consuming task. Often, the cost in time to the
individual trying to learn the system on their own is frequently
outweighed by the relatively low cost associated with having
experts do it.
Cost of
having someone else repair your credit report
Other credit repair
companies charge significantly higher fees to fix credit
reports. These fees can go as high as several thousand
dollars. Thus, the credit repair program used by DONNER &
DONNER gives consumers excellent opportunity.
Call the law
firm to learn how to repair your credit and obtain free credit
repair services.
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DONNER & DONNER (LEGAL
WARRIORS®) is a law firm located in the
Conejo Valley that has recently expanded their practice to
include consumer credit repair. DONNER & DONNER is a
full-service law firm that represents individuals and
businesses as well as conducting litigation, business
formation and contract negotiations, estate planning, wills
and probate and other legal areas. Contact them at
805-494-6557 or e-mail:
donner@lawyer.com. Or,
check out their web site:
www.donnerlaw.com |
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DONNER & DONNER
- Legal Warriors
®
Attorneys at Law
910 Hampshire Road, Suite R
Westlake Village ,
California 91361
Tel: (805) 494-6557
Fax: (805)
409-8677*
E-mail:
donner@lawyer.com
Websites:
www.donnerlaw.com
-
www.legalwarriors.com
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* We do not accept
unsolicited fax advertisements |
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The DONNER &
DONNER Legal Warriors®
team's primary practice specializes in all of the California Law
area and are certified by the California State Bar, the United
States District Court, Southern District, United States Court of
Appeal, 9th Circuit, and United States Tax.
Our attorneys are primary California Law Practice
lawyers and our live help system provides no guarantee of outcome of any case or
of every question to be answered in a chat session without further investigation
of Law regarding different jurisdictions of law that we might not be familiar
with or need time to evaluate. Some questions, we may not be able to answer as
we are limited to practicing law in California only at this time. There is no
guarantee of winning any case if we represent you.
Our Live help attorney
service can help you get answers to questions primarily for California Law.
California state legal questions are and answers are for opinion purposes
only and do not constitute an exact outcome of/or of law in California
area of practice only. In most case's , we can assure you that we still may be
able to help you instantly and answer most legal question or will suggest an
alternative way for our users to get advise out of our reach or control (due to
our practice areas or location of practicing law) . Our Live help attorney
service can possibly help you get most answers to questions you have (due to our
limited area to practice law in CA. only) outside of California for states in
the U.S.A. United States of America will have different laws that may not be
equivalent to California Law, in we practice in that field and specialize. Our
Practice area regions include: Los
Angeles County, Orange County, San Bernardino County, San Diego County, Santa
Barbara County, San Francisco bay area County, California, Riverside, Ventura
County, other California cities include we will represent in local court:
Irvine, Ontario, West Covina, Northern California, Costa Mesa, Cerritos, El
Monte, Palm Springs, Pasadena, San Dimas, Pomona, Alhambra, Bakersfield,
Victorville, Santa Ana, Tustin, Mission Viejo, Universal city, Redlands, Newport
beach, Hollywood, Claremont, Inland Empire, Arcadia, Anaheim, Indio, Fontana,
Upland, Westminster, Bellflower, Hemet, San Jose, Escondido, Palmdale,
Lancaster, Barstow, Temecula, Montclair, Santa Monica, Culver city, Diamond bar,
El Cajon, Glendora, Loma Linda , Long Beach, Moreno Valley, Van Nuys, Valencia,
Indio, Hemet, Palm Desert, Temecula, Chino, Claremont, Escondido, Carson,
Hollywood, Universal city, Lancaster, Banning, Loma Linda, Glendale, Hermosa
beach, Puente Hills, City of Industry, Sacramento, Northridge. We give no
guarantee of accuracy of legal advise outside California and will give only
opinions in those states outside California.
Our California legal
attorney's practice law also include the following areas in Orange
County, Los Angeles County, Agoura Hills, Alhambra, Arcadia, Artesia, Azusa, Bel
Air, Bell Canyon Bellflower, Belmont Shore - Long Beach, Beverly Glen, Beverly
Hills, Bradbury, Burbank, Calabasas, Century City, Westwood Cerritos. Cheviot
Hills, Rancho Park, Culver City, Downey, El Monte El Segundo, Encino Flintridge,
La Canada, Granada Hills, Hermosa, Beach, Hidden Hills, Hollywood La Canada
Flintridge, La Crescenta, Glendale , Ladera Heights, Lakewood, La Mirada
Lancaster Lomita Long Beach, Los Angeles Los Alamitos, Los Feliz , Malibu,
Malibu, Canyon, Manhattan Beach, Marina Del Rey, North Hollywood Northridge,
Norwalk Pacific Palisades, Palmdale, Pasadena Playa Del Rey, Pico Rivera,
Redondo Beach, Rolling Hills Rolling Hills Estates Rosemead Rossmoor, San
Gabriel, San Pedro Santa Clarita Santa Monica Sherman Oaks Sierra Madre. Signal
Hill, South Pasadena, Stevenson Ranch Studio City Tarzana Torrance Universal
City, Valencia, Valley Village, Venice, Walnut, Westchester West Hills, West
Hollywood, Westlake, Village. West Los Angeles, Westwood, Century City Whittier,
Corona, Woodland Hills, Thosand Oaks.
Donner & Donner or the web designer are not responsible for errors or misprints
that may arise on this site.
Questions regarding this site: email us -
donner@lawyer.com
