Charge-offs have to be removed from your credit report 7 years of the Date of First Delinquency (when you first were late with payment). Sometimes this information stays on for longer than seven years, or the Date of First Delinquency is wrong. We can help with that. Not only does it not cost you anything, but there is also no judging about your past financial troubles.
You have good credit but discover out of the blue that there are accounts showing that aren't you, or that you have public record data that is not you. That is most likely the product of identity theft or account "mixing" by the credit reporting agency of someone with a similar name to you. We can help.
There are a lot of services offered online that promise they can improve your credit. They sign you up for a subscription and then the process stalls out and you are still paying a monthly fee. We can help. We also don't charge you a dime.
Anderson Solutions also has a referral network that includes the Lutheran Social Services of Minnesota which offers more day-to-day debt management and credit repair. Which is also free to the consumer.
Under the Federal Credit Reporting Act ("FCRA")...
There are over 250 million Americans with credit reports. Credit reporting agencies make mistakes. Congress passed the FCRA to protect consumers from wrong information being published by these agencies.
If you haven't already sent this letter, Tim will help you write and send it certified mail for you.
The Fair Credit Reporting Act is a fee-shifting statute. This means that your attorney fees for initiating this law suit are covered by the credit reporting agencies (and possibly the furnishers aka creditors).
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