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MOST FREQUENTLY ASKED

WHY SHOULD I USE A LAW FIRM?

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:

- It only makes sense that a lawyer should enforce your legal rights. Would you hire a painter to fix your plumbing?
 
- As trained, well respected lawyers we have significant experience in understanding the nuances of the law, and how to best ensure that your rights are protected.
 
- We have the clout to attack those violating your rights and the tools to back it up.
 
- Our services are subject to a higher level of scrutiny as we live by a code of professional conduct.
 
- Your case is continually reviewed by attorneys who will provide legal opinions when necessary.
 
- Your confidentiality is paramount and is protected by the attorney-client privilege.
 
- We can provide all the services of a non-attorney and so much more.

HOW DO YOU REPAIR MY CREDIT REPORT?

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.
 
Because of the protections provided by the federal law and the expertise of Centurion Law Firm, properly disputed items are removed with great frequency.
 

HOW LONG WILL IT TAKE?

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.

Your participation will play a major factor in how quickly we can help you achieve your goals. It is imperative that you do the things that you can control, namely forwarding updated credit reports and received correspondence to us in a timely fashion. Other factors that may influence the speed with which we can help you achieve your desired results include the complexity and nature of your case, and the cooperation of those with whom we correspond.

ARE YOUR SERVICES GUARANTEED?

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. 

We do guarantee however, that we will work your case with maximum diligence. We gauge how well we are doing on the success of our clients. We are so confident that we will provide superior service and results that we offer a risk free full refund policy.

DO I HAVE TO USE A LAW FIRM TO OPTIMIZE MY CREDIT?

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.

 
Optimizing your credit on your own is similar to representing yourself in court, yes you can do it, and you have the right to do it. Most people however, understand that having an attorney represent them is a better choice. The job of the attorney is to be well educated, well researched and be a zealous advocate for your rights.
 
In addition to being well prepared to protect your rights, utilizing our services will also save you tremendous amounts of time and grief. Trust us when we tell you that trying to develop and implement a plan to keep track of and correspond with numerous credit bureaus in a timely fashion is difficult. We have developed a set of procedures and software to make this task as efficient as possible while providing the greatest results for the customer.
 
Therefore, we believe in you and we are there for you, but we also believe that if you have the time and knowledge that trying to optimize your credit on your own requires, then go for it.

FAQ'S ABOUT YOURCREDITATTORNEY.COM

ARE YOU REALLY A LAW FIRM?

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.

WHY SHOULD I USE A LAW FIRM?

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:
 
- It only makes sense that a lawyer should enforce your legal rights. Would you hire a painter to fix your plumbing?
 
- As trained, well respected lawyers we have significant experience in understanding the nuances of the law, and how to best ensure that your rights are protected.
 
- We have the clout to attack those violating your rights and the tools to back it up.
 
- Our services are subject to a higher level of scrutiny as we live by a code of professional conduct. 
 
- Your case is continually reviewed by attorneys who will provide legal opinions when necessary.
 
- Your confidentiality is paramount and is protected by the attorney-client privilege.
 
- We can provide all the services of a non-attorney and so much more.

WHAT OTHER SERVICES DO YOU OFFER?

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. 

 
By limiting our practice to this area of Federal law, we have become some of the most knowledgeable lawyers in the country on matters related to your credit report and the most effective methods for optimizing the information that appears on it.

WHAT IF I AM NOT A CALIFORNIA RESIDENT?

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

 
Centurion Law Firm, Inc. is a California Professional Corporation practicing law only in California. We limit our practice to the pre-litigation enforcement of consumer rights under the Federal Fair Credit Reporting Act and other Federal laws. As such, the rights that we enforce are rights granted by the United States Congress to all, regardless of what state you live in. Please note that several states may have other rights and remedies available to you that Centurion cannot and will not be able to assist you with.

FAQ'S ABOUT CREDIT REPAIR

CAN BAD CREDIT BE DELETED?

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.

 
We at Centurion Law Firm are experts on the law and have developed effective strategies that will help you achieve your financial goals. We will be your advocate to ensure that the credit bureaus comply and provide you with the protections that the law demands.

CAN YOU TRUST CREDIT REPAIR COMPANIES?

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

 
We at Centurion Law Firm can only guarantee that we will work with you to help you enforce the rights that have been provided for you by the United States Congress. These rights are broad and expansive giving the consumer the tools needed to ensure a fair and accurate reporting of their credit.
 
We guarantee that we will keep working your case until you are completely satisfied. 

WHAT DOES IT COST TO HAVE BAD CREDIT?

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

Most “regular” credit cards are not available to consumers with bad credit. The options then for obtaining a credit card are limited to other types of secured debt. These secured cards often require large setup fees, recurring monthly fees, very low credit lines and secured cash deposits. Even worse, most of these cards do not even report the positive activity to the credit bureaus.
 

Auto Financing

Your payments on a car will likely be between $5,000 and $9,000 more with bad credit over the life of the loan. This extra amount occurs because of the higher monthly payment.
 
If you buy a $20,000 car paid over 5 years:
 
Credit Type Rate Payment Cost of Bad Payment
 
Perfect 10% $424.94 $0.00
 
Medium 14% $465.37 $4,722.54
 
Severe 20% $529.88 $8,593.30
 
 

Home Mortgage

While bad credit can significantly impact the cost of an auto, this is nothing when compared to what bad credit will cost you when financing a home. You may end up paying between $50,000 and $130,000 more in interest when buying a home with bad credit
 
If you buy a $100,000 home paid over 30 years:
 
Credit Type Rate Payment Cost of Bad Payment
 
Perfect 7% $655.30 $0.00
 
Medium 9% $804.62 $50,155.24
 
Severe 12% $1,028.61 $130,791.63

CAN YOU REMOVE BANKRUPTCIES AND FORECLOSURES?

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.

CAN I GET A “DO OVER” BY DECLARING BANKRUPTCY?

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. 

WHAT ABOUT CHANGING MY SSN OR GETTING AN EIN?

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. 

DO NEGATIVE ITEMS HAVE TO REMAIN ON YOUR CREDIT REPORT FOR 7 YEARS?

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.

WHAT IS THE FAIR CREDIT REPORTING ACT (FCRA)?

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

 
The FCRA is the main law that has been passed by the United States Congress giving the consumer certain rights and ensuring that the credit bureaus follow certain procedures to ensure the integrity of the consumer’s rights.

FAQ'S ABOUT PRICING AND FULL REFUND POLICY

WHAT ARE THE COSTS FOR YOUR SERVICE?

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

HOW DOES YOUR RISK-FREE REFUND POLICY WORK?

CAN I USE MY CHECKING ACCOUNT?

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.

CAN I CANCEL ANYTIME?

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.

 
Your satisfaction is our highest priority. Be assured that we will do whatever it takes to make your experience as easy and satisfying as possible.

ARE AUTOMATIC PAYMENTS REQUIRED?

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.

FAQ'S ABOUT YOURCREDITATTORNEY'S SERVICES

HOW DO YOU REPAIR MY CREDIT REPORT?

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.
 
Because of the protections provided by the federal law and the expertise of Centurion Law Firm, properly disputed items are removed with great frequency.

IS DISPUTING ITEMS LEGAL?

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.

HOW LONG WILL IT TAKE?

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.

 
Your participation will play a major factor in how quickly we can help you achieve your goals. It is imperative that you do the things that you can control, namely forwarding updated credit reports and received correspondence to us in a timely fashion. Other factors that may influence the speed with which we can help you achieve your desired results include the complexity and nature of your case, and the cooperation of those with whom we correspond.
 

WILL DELETED ITEMS REAPPEAR?

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.

 
Don’t worry, if an item reappears on your credit report we can again dispute it at a future date and work towards a permanent deletion.

SHOULD I CONTINUE TO PAY MY BILLS?

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.

IF I PAY MY BILLS, WILL MY CREDIT IMPROVE?

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

 
In reality, when you pay down an existing debt the negative item in your credit report doesn’t go away with the debt. Instead, when you pay this debt the creditor will report this payment late and the seven year time period will re-start. So even though you paid, they will report it as a late payment.
 
Even worse, generally a current negative listing is not treated any better than an unpaid negative listing. Therefore, you get no bonus points in respect to your credit report for doing the right thing and bringing your account current.
 
The only real solution is to both work towards optimizing your credit while at the same time fulfilling your payment obligations to your creditors.

ARE YOUR SERVICES GUARANTEED?

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.

 
We do guarantee however, that we will work your case with maximum diligence. We gauge how well we are doing on the success of our clients. We are so confident that we will provide superior service and results that we offer a risk free refund policy.

DO I HAVE TO USE A LAW FIRM TO REPAIR MY CREDIT?

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.

 
Optimizing your credit on your own is similar to representing yourself in court, yes you can do it, and you have the right to do it. Most people however, understand that having an attorney represent them is a better choice. The job of the attorney is to be well educated, well researched and be a zealous advocate for your rights.
 
In addition to being well prepared to protect your rights, utilizing our services will also save you tremendous amounts of time and grief. Trust us when we tell you that trying to develop and implement a plan to keep track of and correspond with numerous credit bureaus in a timely fashion is difficult. We have developed a set of procedures and software to make this task as efficient as possible while providing the greatest results for the customer.
 
Therefore, we believe in you and we are there for you, but we also believe that if you have the time and knowledge to try and optimize your credit on your own requires, then go for it.
 

WHAT ABOUT CONTACTING MY ADVOCATE?

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.

FAQ'S ABOUT CREDIT

WHAT IS A CREDIT REPORT?

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.

 
These bureaus, even though they collect and maintain data on nearly every American are NOT affiliated with the government in any way. They are private companies whose only motivation is to make a profit by selling your personal information for money.
 
The credit bureaus have agreements with their customers, the same lenders who grant you credit, to have that lender provide information about your relationship with them. They then take this information about you from all of the lenders and put it in a database that they then sell to other lenders. Therefore, if you make a late payment, it is quickly reported to at least one of these three major credit bureaus and shows up on your credit report. The worst part is that your credit report not only shows your current financial condition, it contains your financial records of everything you have done in the past several years. Therefore, even if you made a late payment 5 years ago, but have been paying your bills on time ever since, it doesn’t matter, that late payment will still show up on your credit report.
 
The credit bureaus then sell this information to credit grantors, who look at the data to determine if you are a good financial risk (will you repay the loan, do you have too much debt, and will you pay on time). The fewer negative items that appear on your credit report, the more inclined a lender will be to grant you credit at the best rate available.
 
Essentially, the “permanent record” that we all heard about growing up is real. This “permanent record” is your credit report. If this report doesn’t show good results you can forget about getting the credit and loans that you need and deserve.

WHAT TYPE OF INFORMATION SHOWS UP ON MY CREDIT REPORT?

Merchant Trade Lines

 
These are the traditional items that you would think would be on your credit report. They include your regular credit lines like credit cards, auto loans, and mortgages. Information on late payments, if the line was part of a bankruptcy, charged off, or put into repossession will be considered negative by all lenders.
 
Collection Accounts
 
If your account is referred to collections or a collection agency this will appear on your credit report. These accounts can appear as paid or unpaid accounts. Regardless, any type of collection account is considered VERY negative by all lenders.
 
Court Records
 
Court records can include things such as bankruptcies, liens, judgments, divorce, satisfied judgments and satisfied liens. These court records are considered negative by all credit grantors.
 
Inquiries
 
Each time a potential lender or credit grantor looks at your credit report, it is recorded on the report as an inquiry. If you have a significant number of inquiries over the last two years this may have a negative impact on your credit as the lender will become nervous that you are attempting to get too much credit.

WILL MY NEGATIVE ITEMS STAY LISTED FOREVER?

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.

CAN I VIEW MY CREDIT REPORT?

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.

WHAT IF I ONLY HAVE A SMALL AMOUNT OF BAD CREDIT?

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.

WHO SEES MY CREDIT REPORT?

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. 

WHAT IS A CHARGE OFF?

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.

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Real Client Results

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S.L., Washington

"My score jumped 100 points in 3 weeks"