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Miller & Associates Consulting

(888) 329-3466

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

One time $99.00 Activation fee and $89.00 per month consulting fee!

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:

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

 *  Public Records       *  Bankruptcies        *  Judgments             

 *  Tax Liens                *  Student Loans     *  Past Due Bills

 *  Settlements             *  Many more...


Harassment by a debt collector can come in different forms but examples include repetitious phone calls intended to annoy or abuse, obscene language, and threats of violence.

No harassment: The Fair Debt Collection Practices Act (FDCPA) says debt collectors can't harass, oppress, or abuse you or anyone else they contact.

Some examples of harassment are: 

* Repetitious phone calls that are intended to annoy, abuse, or harass you or any person answering the phone

* Obscene or profane language

* Threats of violence or harm

* Publishing lists of people who refuse to pay their debts (this does not include reporting information to a credit reporting company)

* Calling you without telling you who they are

Under the law, you can direct the debt collectors to stop contacting you and they must obey the direction.  


Credit reporting agencies such as TransUnion, Experian and Equifax often error. In fact, about 80% of credit reports contain errors. Many of these errors will cause in a lower credit score resulting in denial of credit, high down payment, higher interest rates, higher insurance premiums, lost employment opportunities and more.


When a credit report contains errors, it is often because the report is incomplete, or contains information about someone else. This typically happens because:

The person applied for credit under different names (Robert Jones, Bob Jones, etc.). Someone made a clerical error in reading or entering name or address information from a hand-written application. The person gave an inaccurate Social Security number, or the number was misread by the lender.

Loan or credit card payments were inadvertently applied to the wrong account.

Identity Theft – for the past decade, this has been one of the fastest growing crimes in America. A person may steal your personal information or be sold your information and opens credit accounts in your name. 

Payments reported as late when they are not – 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. Homes  being reported as foreclosures, when no foreclosure proceeding has ever been started by the lender. 



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







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 and then it’s less than $9.99/month to have continued reporting.  Build your credit score just by paying your rent each month. It’s that easy!

EASY AS 1,2,3

1.) Registration Fee

2.) Monthly ongoing rent reporting

3.) Past Reporting

Your previous 24 months of rental history will be reported

What Is Done

Our partners report your rent payments to credit bureaus. Your lease will be verified with your landlord or property manager. Every month a third party verification company 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.

How Your Buying Habits Impact your Credit Score