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M & A Legal Management

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Credit Repair, Restoration & Education 信用修复及相关知识

In 1970, Congress passed the Fair Credit Reporting Act, allowing any American with a Social Security number to dispute any item on his or her credit report. As an industry leader specializing in credit restoration, M & A Legal Management utilizes the latest technology to ensure fast, accurate service. M & A Legal helps clients get the results they're looking for by assisting them in deleting inaccurate, erroneous, and obsolete items such as:


*  Late Payments       *  Medical Bills              *  Collections                      *  Charge Offs            *  Foreclosures             *  Repossessions          

*  Bankruptcies          *  Public Records          *  Judgments             

*  Settlements            *  Student Loans           *  Past Due Bills

*  Tax Liens               *  Many more...



DEBT COLLECTOR HARASSMENT


Many debt collectors today will stop at nothing to collect money from you. They call people at home, at work, and even on their cell phones. These calls are not only embarrassing, but in many instances the debt collectors are abusive, threatening and intimidating. Under the law, you can direct the debt collectors to stop contacting you and they must obey the direction.  


CREDIT REPORT PROBLEMS


Credit reporting agencies such as TransUnion, Experian and Equifax frequently make mistakes. In fact, about 80% of consumer credit reports contain errors. Many of these errors can result in a depressed credit score resulting in denial of credit, high down payment, higher interest rates, higher insurance premiums, lost employment opportunities and more.


COMMON CAUSES FOR CREDIT REPORT ERRORS


Identity Theft – for the past several years, this has been one of the fastest growing crimes in America. Someone gets a hold of your personal information and opens credit accounts in your name. 


Mixed/Mismerged data – Two different people with the same name might have data mixed up between their accounts 


Timely payments reported as late – Some creditors have collection departments that report payments several days and sometimes weeks after receiving a payment from you. 

Derogatory information that remains on a credit report for longer than seven (7) years. 

Bankruptcy information that remains on a credit report for longer than ten (10) years. 

Home mortgage loans being reported as foreclosures, when in fact, no foreclosure had ever been initiated by the lender. 


HOW YOUR CREDIT IS SCORED 

HERE IS HOW YOUR PAYMENT HISTORY WORKS

How Your Buying Habits Impact your Credit Score

1970年,美国国会通过了《美国公平信用报告法案》,该法案让每个拥有社会安全号的美国人有权利对他/她的信用记录中的项目进行争辩。作为信用修复领域的领头羊,M & A 法律事务所利用最新的技术确保快速、准确的为客户服务。M & A法律事务所帮助客户删除失误、错误、过期的不良信用记录,达到客户预期的结果。可删除的项目包括:


*逾期支付账单         *医疗账单              *追债记录

*坏帐冲销                *丧失房屋赎回权    *车辆强制收回

*破产                       *公共记录               *法庭判决

*庭外和解               *助学贷款                *过期未付账单

*赋税留置权等


讨债骚扰


如今许多讨债公司不择手段地进行讨债,他们打电话到债务人家里、公司,甚至用他们个人手机打来电话进行追债。接到这些讨债电话不仅令人很尴尬,而且很多时候追债人还对债务人进行辱骂、威胁和恐吓。而通过法律手段,我们可以让讨债公司停止对您的骚扰。


信用报告问题


信用报告机构Trans、Union、Experian和Equifax经常会有失误,事实上,80%的用户的信用报告中有误差,这些误差使得信用分数降低,从而导致申请信用卡时被拒、高首付、高贷款利息、高保险金、丧失好的工作机会等。




信用报告失误出现的普遍原因


1、身份盗用-- 在过去的几年里,身份盗用成为美国发展最快的犯罪活动之一。有些人盗用你的身份信息,用你的名字开设信用账户。


2、数据混淆-- 两个拥有相同名字的人,可能导致他们的信用账户混淆在一起。


3、按时付款但信用报告未及时更新-- 一些债权人有讨债部门,他们在收到付款后没有及时向信用机构汇报,而是推迟几天甚至几周才汇报。


4、 不良记录在信用报告中保留超过了7年。

5、 破产记录在信用报告中保留超过了10年。

6、 房屋贷款被报告成丧失房屋赎回权,而事实上,放贷方并没有提出剥夺贷款人的房屋赎回权。

What You Do

Complete the easy registration and provide some information about your rental.  There is a one time registration fee of $40.00 and then it’s only $9.95/month.  Build your credit score just by paying your rent each month. It’s that easy!


Registration Fee

Individual renter = one time registration fee $40

Individual renter & spouse/roommate = $65

 

Monthly ongoing rent reporting

The monthly fee for ongoing reporting will start 60 days after signup.

Individual renter = $9.95 per month

Individual renter with spouse/roommate = $14.95 per month

 

Past Reporting Option

$5 per month up to 24 months


What We Do

Our partners report your rent payments to credit bureaus. Your lease will be verified with your landlord or property manager. Every month we will confirm with your landlord or property manager that you made the month’s rent payment.


What You Get

Our partners will submit your rent payments to your Credit Report and get you the credit you deserve for paying rent. Build positive credit history with your rent payments. With better credit you can save tens of thousands of dollars and reach your financial goals.