My plan
Big impactShows up: 30 to 60 days
Handle collectors the right way
Make them prove it, in writing. Don't pay or promise on the phone.
- 1
Ask for validation in writing within 30 days of their first letter.
- 2
Tell them to contact you in writing only.
- 3
Log every call. Violations can mean money and deletions.
Our attorney: Cory M. Teed
Golden & Cardona-Loya, LLP
Call him if: Debt collector harassment (FDCPA / Rosenthal), robocalls and texts (TCPA), credit bureaus that ignore disputes (FCRA), identity theft. The law usually makes the company pay the legal fees.
Have ready: Your call log · The letters you sent + delivery receipts · Screenshots of calls / texts / voicemails · Your credit reports
Before you pay anyone to “fix” your credit
Everything here is free, and it's the same work they'd do. If you hire a company anyway, the law protects you:
- • They can't charge you until the work is done.
- • They must give you a written contract, and you can cancel within 3 business days.
- • No one can legally remove accurate, current information. Walk away from anyone who promises to.
General information, not legal advice. Beyond Real Estate Group isn't a law firm or a credit repair company and doesn't guarantee any change to your score.