California  |  Credit and Debt Law

Legal Question

Asked on: 3/16/09, 2:05 pm

My Credit Report: Should I use an attorney or handle myself?

I have found old paperwork showing and confirming dates that several of my credit cards were charged off and several judgments that were filed. Per the FCRA, I understand that these negative items should only be allowed to stay on my credit report 180 days after the start of the delinquency, plus 7 yrs (FRCA 605(c)). These negative items are still on my credit and affecting my fico score.

My question is simply...is it best to contact an attorney and have them contact the bureaus on my behalf or best to represent myself? I have heard conflicting answers and heard that quicker action and actual deletion is more likely to happen if I have an attorney defending my rights under the FCRA

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