Help Center

At any time, you can log into your on-line account page to view up-to-date progress. There is a timeline and progress report as well as a credit analysis view.

Every individual has the responsibility to monitor and protect their own credit. The government has a set of laws to help you called the Fair Credit Reporting Act. Safeport Law steps in to help when you need professional assistance from people who work with the bureaus and these laws every day.

In our experience, that isn’t how things work. The credit bureaus and creditors receive millions of disputes monthly. They are prepared to handle a heavy flow of challenges, so when we address an item from your credit, we expect a response. Each challenge is unique to you and your credit situation.

You certainly can but should be aware that applying for new credit will add new inquiries to your credit report which will impact your credit score.

It is your right and responsibility to assure the accuracy of the items on your credit reports. If the information recorded on your credit reports does not accurately represent your behavior as a consumer, then you have the right to request that questionable information be removed from your reports. The Fair Credit Reporting Act (FCRA), Fair Credit Billing Act (FCBA) and Fair Debt Collections Practices Act (FDCPA) afford you the legal right to dispute inaccurate items on your credit reports with the credit bureaus and your individual creditors.

Yes you do. It is your responsibility to protect your credit while we are working on your history. If you add new damage to your credit report, you will be working against us.

It is possible for negative items to appear on your credit report again, after they were deleted to be verified by a creditor. When this happens the Fair Credit Reporting Act states that the credit bureaus need to inform you before re-reporting an item that had been deleted. It is a rare occurrence to have an item removed and replaced, but it is possible.

If they are revolving or installment accounts, paying your bills every month will build your credit history.

A charge-off can remain on your credit report for up to seven years from the date of the first late payment that led to default.

A bankruptcy can remain on your credit report for up to 10 years. The Fair Credit Reporting Act (FCRA) outlines the credit reporting limitations for bankruptcies.

Once you have a judgment against you, the plaintiff may be able to collect the money in several ways including wage attachments or garnishments.

Safeport Law can help you understand what should and shouldn’t be on your credit report and share tactics that may help you get incorrectly reported late payments removed.

There are two possibilities to remove a repossession. You can dispute a repossession or you can try to negotiate with the creditor to remove it early.

A Safeport Law specialist can analyze your credit reports and discuss your credit history with you to determine which credit inquiries we may be able to help you remove.

You can ask a debt collector or creditor to remove a collection and this type of favor is known as a goodwill request.