Welcome

This website is maintained by The Childress Law Office. We provide credit repair services. Credit repair is an alternative to bankruptcy.

The purpose of this website is to provide free Credit Repair and Texas and New Mexico Consumer Law information, and free Commercial and Business Law information. The Childress Law Office provides collaboration with an attorney, and the proper drafting, filing and service of effective contracts, notices and legal documents.

At The Childress Law Office, we use laws like the federal Fair Credit Reporting Act (“the FCRA”), the federal Fair Debt Collection Practices Act (“the FDCPA”), the Truth-in-Lending Act (“TILA”) and other consumer protection statutes to help people improve their lives with cheaper credit.

A Common Mistake many consumers make in trying to repair credit without the help of an experienced attorney

The Fair Credit Reporting Act (“the FRCA”) is designed, in theory, to set up a process non-lawyers can use with credit reporting agencies to correct their own credit files without the necessity of hiring counsel.

In practice however, use of the procedures set up by the FCRA can often be very frustrating. Due to the volume of FCRA correspondence received by the staff of credit reporting agencies, many consumers without lawyers simply do not get the service or timely attention the FCRA requires. The consumer tries for months to get the responses the FCRA mandates. Meanwhile, the delay costs thousands of dollars in higher interest payments or loss of credit opportunities.

Time is of the essence in repairing credit. Creditors and credit reporting agencies respond much faster to people represented by lawyers.

We recommend you write at most one or two FCRA letters, over the course of one to two months, trying to repair credit on your own. All correspondence should be sent certified mail, return-receipt requested. Keep copies. If you then have to hire counsel, your lawyer’s correspondence will be even more effective where your lawyer can point out that you were treated poorly and were not provided proper, timely responses pursuant to the FCRA.

We feel it is a mistake for a consumer to write repeated letters about their credit reports. After your early, initial efforts, you should hire a lawyer right away to handle your unresolved credit repair issues. The time and peace of mind you will save, as well as the delay you will avoid, more than make up for the expense of legal services.

Economic Damages

If you are disputing items on your credit files, you probably will have documentation supporting your contentions. You probably also will document your own efforts to repair your credit files. In addition to this documentation, be sure to document your “economic damages” resulting from false, outdated or incorrect credit files, or resulting from failures by creditors and credit reporting agencies to comply with the FCRA.

Your “economic damages” will generally consist of, among other things, your higher interest payments on loans. Or, you may have been flat-out denied a loan because of something on your credit reports. What if interest rates went up on the loan you were trying to get while somebody fooled around with your credit reports, so that by the time your reports are fixed, you pay a lot more for the loan? Do the math.

The Childress Law Office has experience suing both creditors and credit reporting agencies for economic damages caused by wrongful or illegal credit reporting activities, including failures to comply with the FCRA in response to written requests from consumers. If there are clear violations of the laws regulating credit reporting activities, and these violations have caused or are causing you harm that you can document, you should consult attorneys who will consider filing a lawsuit on your behalf where the attorney’s compensation is a “contingent fee”. A “contingent fee” is an attorney’s fee based on a percentage of the recovery obtained for you. You do not pay the attorney in advance for services, but only when results are obtained for you


Terms of pre-litigation credit repair services offered by The Childress Law Office

Our pre-litigation credit repair services are prompt, comprehensive and thorough. When we are hired to fix or remove a false, outdated or incorrect report, we make demand on all 3 major credit reporting bureaus to comply with the Fair Credit Reporting Act. We do this in EVERY case.

Sometimes consumers bring complaints to us about only one or two of the bureaus. We still make demand on all 3 to make sure that the incorrect or outdated reports don’t simply reappear elsewhere after we have fixed them once already.

We also do something else most other credit repair services do not do: in addition to making demand on the 3 major credit reporting bureaus, we make demand on the underlying creditors themselves to comply with the applicable consumer protection statutes. If you don’t know who the alleged creditor is that falsely reported you, we will find out for you. The FCRA mandates that, in response to a proper request for same, the credit reporting agencies must tell us where they got their information.

Many creditors and debt collectors like to “re-report” an item if and when it is kicked off your reports as a result of credit repair efforts. They think this is a cute trick to pull on you. It wastes all your efforts. It is also illegal, and you can sue them for it.

This is our guarantee: when we are hired, we demand strict and prompt compliance with the Fair Credit Reporting Act in your favor. The Childress Law Office charges a flat fee of $400 for the first disputed item on your credit report you want us to handle. The fee is $100 less for each additional item we are hired to handle at the same time. ($300 for the second item, $200 for the third, and $100 for each additional item). Within typically 60 to 90 days of being hired, we will have achieved the desired result for you or will be able to advise you as to why we were not able to achieve this result.

When our investigation is complete, we will also be able to advise you as to whether you have any viable legal claims for damages or injunctive relief worth pursuing in a court of law. In that event, we will consider handling the litigation on a contingent fee basis. The Childress Law Office has an incentive to look for violations of the law that have harmed you.

Ready to get started? GOTO - LET’S GET STARTED

Want to Learn More? GOTO - our FAQ’s page. Explore our website.

This website is a Lawyer Advertisement.
The transmission, reading or submission alone of information by, from or to this website, to Sidney Childress or to The Childress Law Office, does not create or constitute any lawyer client relationship. An attorney client relationship or contract for legal services is created only by express agreement on an individual basis with The Childress Law Office.