FAQ’s

Although there are numerous companies claiming to be credit repair organizations, very few have the ability to provide the benefits of a law firm. Centurion Law Firm can provide what the others lack:

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.

It would be unethical for any lawyer or law firm to either guarantee a particular outcome, or promise a particular result by a certain date. We can however give you a general idea based on our expertise. Understand, however, that the times quoted are only estimates and the time frame for your particular case may vary. Understanding these disclaimers, we can tell you that many clients see the first dramatic results within 60 days.

Again, it is unethical for any attorney or law firm to guarantee the outcome of your case. There are just too many factors involved for us to tell our clients with certainty what will happen. 

While we all have the ability to do amazing things, many times we may choose to have someone else do the hard work. If you spent significant time researching, studying and testing out strategies, you could probably do some of the things that Centurion can do for you.

Yes. Centurion Law Firm, Inc., is a California Professional Corporation providing legal services in California. Upon signing up with Centurion Law Firm a retainer agreement is completed. At this time the attorney-client relationship begins and you will benefit from all the protections associated with this status. Please note, that until you sign up and the retainer is completed, the law does not allow us to and we will not provide any legal advice.

Although there are numerous companies claiming to be credit repair organizations, very few have the ability to provide the benefits of a law firm.

Centurion Law Firm believes that your good credit is the most important financial asset you have. For this reason, Centurion has made the decision to limit its’ practice to the pre-litigation enforcement of consumers rights as granted by the United States Congress in the Fair Credit Reporting Act and other federal laws. 

Where you live and where you are a resident does not affect Centurion Law Firm's ability to provide services for you. 

Despite the hype, the proof is in the results, negative credit items are deleted every day. The United States Congress has enacted a set of laws that protect the consumer and provide that only verifiable, accurate information appear on a persons credit report. This same law details the rules for how negative information must be investigated and treated should it be challenged.

As with any industry there are those companies who provide legitimate services, delivering real measurable results, and there are those who will tell you what you want to hear hoping to make a quick buck off of you through fraud and deceit. Beware of those frauds who make unrealistic promises. The reality is that we can provide a valuable service and help you achieve your goals, but any particular outcome can never be guaranteed

In determining whether to retain Centurion Law Firm you may be wondering how much bad credit really costs you. Our examples will show you that the cost of bad credit is far greater than the cost of our services. If using our services can help you get better credit and save money, then the investment is well worth it.

Credit Cards

Auto Financing

Home Mortgage

Any type of negative item can be removed from a credit report, assuming the right circumstances exist. Bankruptcies and foreclosures are definitely more difficult to remove from the credit report only because of the systems the credit bureaus use. They are however removable as are every other type of negative item.

BEWARE!! Bankruptcy is one of the most damaging things you can do to your credit rating. When you file for bankruptcy, every account that you have will become “included in bankruptcy”. Also, the bankruptcy filing and discharge listing will appear in the court records section of your credit report. In sum, just about every item on your credit report will become a negative item. Removing all traces of the bankruptcy is extremely difficult. 

Some unscrupulous companies and individuals may try to sell you on the idea of changing your Social Security Number or getting an Employer Identification Number to set up a new credit file with the credit bureaus. BEWARE of this scam, it is not only very difficult to do, but in most instances it is also illegal. 

This is a nonsense myth propagated by credit grantors, collection agencies, and credit bureaus. The law mandates that negative listings appear on your credit report for no longer than seven years. This means that the credit grantor, lender or credit bureau can choose to delete the negative credit listing whenever they see fit.

A full copy of the FCRA can be obtained directly from the Federal Trade Commission’s web site.

A description of our services and their costs can be found on our Pricing Page.

Please see our risk-free full refund policy explanation here.

Yes, you can use your checking account to pay for our services. To pay by checking you must have an ATM/Debit card with a Visa or Mastercard logo on it. Chances are if you have received an ATM/Debit card from your bank in the last several years you have a qualifying card with the Visa or Mastercard logo on the front. Simply use your ATM/Debit card with one of these logos as you would any other credit card.

While we ask that you give our service sufficient time to provide the desired results, we understand that there may be times when individuals wish to cancel. We understand and accordingly we offer you the ability to cancel at any time.

In our continuing effort to provide our clients with the best, most effective service at the lowest possible cost we have looked at every area of our business. One area that we looked at to save our clients money was the significant time and expense required to collect our fees. By automating the process of collecting our fees, we are able to provide our service at a lower cost to you.

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.

Absolutely. Your right to dispute items on your credit report is explicitly granted by the United States Congress in the Fair Credit Reporting Act (and other laws). Unfortunately, because it requires extra work to investigate as the law mandates, the credit bureaus would have you falsely believe that there is something wrong with disputing items even though it is absolutely within your rights to do so. Disputing items on your credit report is as legal as pleading “NOT GUILTY” in a court of law.

It would be unethical for any lawyer or law firm to either guarantee a particular outcome, or promise a particular result by a certain date. We can however give you a general idea based on our expertise. Understand, however, that the times quoted are only estimates and the time frame for your particular case may vary. Understanding these disclaimers, we can tell you that many clients see the first dramatic results within 60 days.

While rare, there are times when a creditor will eventually verify information that has already been deleted from your credit report. The federal law requires a credit bureau to inform you prior to re-listing a previously deleted item. This same federal law makes it more difficult than ever for a credit bureau to re-list a deleted item. Therefore, although it is technically possible for a deleted item to reappear on your credit report it is highly unlikely.

Whether an item is deleted from your credit report or not, if the underlying debt is still owed you are still responsible for it. Removal of such an item from your credit report is only a temporary solution. If the debt is still accurate and owed, the creditor or collection agency can, and most likely will, re-report the item to the bureau.

Although this makes sense, it unfortunately doesn’t work this way.

Again, it is unethical for any attorney or law firm to guarantee the outcome of your case. There are just too many factors involved for us to tell our clients with certainty what will happen.

While we all have the ability to do amazing things, many times we may choose to have someone else do the hard work. If you spent significant time researching, studying and testing out strategies, you could probably do some of the things that Centurion can do for you.

After you retain Centurion Law Firm you will receive a welcome e-mail with important contact information. You will always be able to get a hold of our offices and advocates who can help you with any questions you may have. During the course of our attorney/client relationship be assured that we will be there for you.

In a nutshell, a credit report is a summary of your financial history. When you apply for credit or financing (i.e. buying a new car, opening a credit card account, etc.) the creditor pulls a copy of your credit report from a credit bureau. While there are many small credit bureaus, virtually all are affiliated with one of the three major credit bureaus, Experian, Equifax, or Trans Union.

Merchant Trade Lines

No. The federal Fair Credit Reporting Act requires that most negative items be deleted from your credit report by the end of seven years, except for bankruptcy, which can remain on your report for up to ten years. Inquiries can remain on your credit report for up to two years.

Generally, a lender or credit grantor is not permitted to show you your credit report. You can however purchase your credit report from the bureau for a fee. In most cases it will be difficult for you to understand what your credit report says, because they use a special set of codes to report the data.

It only takes a small amount of bad credit to result in a denial. In fact just one late payment may be enough. Even worse, is the reality that even a large amount of positive credit can not offset negative credit. The smallest amount of negative credit can significantly hurt your credit rating.

For good or bad, your credit report is being used more and more frequently to determine your character. Obviously, those granting you credit (i.e. for a loan, or credit card) will look at your credit report to see your financial history. Increasingly, other non-financial groups are looking at your credit report to determine if you are worthy. Employers are now using credit reports to determine if you should be hired, insurance companies are reviewing your credit report to determine whether to extend you coverage. 

A charge off is the term used when you become very late on an account and the creditor decides you are probably not going to pay the debt. When the creditor reaches this conclusion they write the debt off as a loss for tax purposes. Beware however, the creditor will continue to recover the debt by selling the debt to a new creditor or by sending it to collections.