Most Frequently Asked

 

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.

 

 

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.

 

 

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.

 

 

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 warranty.

 

 

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.