Is it legal for me to have you dispute items?

Absolutely; The United States Congress, through the Fair Credit Reporting Act and the Fair and Accurate Credit Transactions Act, has specifically granted you the right to legally dispute items on your credit report. Credit bureaus spend a lot of time and energy attempting to convince consumers that they do not have the right to challenge items on their credit reports, but this is simply not true. The ability to dispute items on your credit report was granted to all consumers by the United States Congress for the purpose of providing consumers with the ability to protect their most important financial asset, their credit.

How long does the process take?

It would be misleading to guarantee a precise outcome or time frame for a particular case. What the Azer & Associates team can offer is an estimated time of the results you can expect to see. Although the results of each individual case can vary, we feel confident stating that a large percentage of our client’s see dramatic results within 60 days from our initial contact.

Your initial and continued involvement plays a significant factor in how quickly we can optimize your credit. Crucial to our process is your continued participation in the areas that you control, namely providing us with updated credit reports and all correspondence received from the bureaus. The complexity of your case and the cooperation of all those whom we correspond with on your behalf also vary the speed at which we can achieve providing you the financial freedom you deserve.

Can deleted items reappear?

In very rare circumstances a creditor may verify information that was previously deleted from your credit report. However, under Federal law a credit bureau is required to inform you prior to re-listing an item that was previously deleted. Rest assured that Federal law has made it extremely difficult for a credit bureau to get a deleted item re-listed. With that being said, while it is possible, it is highly unlikely that this will take place. You can also be assured that in the rare event that a previously deleted item is re-listed on your credit report we will continue to be here to service your needs and ensure your legal rights are being properly enforced.

What about paying my bills?

Regardless if an item is deleted from your credit report or not, if the underlying debt is truly owed you still remain responsible for paying it. Having the item removed from your credit report is only a temporary solution. If the debt is in fact accurate and owed, it is likely that the creditor or collection agency will re-report the item to the bureau.

Is it true that if I pay my bills my credit will improve?

While this would be great if it were true, the reality is that it may be false. Paying down your debt may not result in removing negative items from your credit report. In reality when you do actually pay the debt your creditor reports the payment as late and the seven year time period re-starts.

The harsh reality is that a current negative listing is not treated any better than an unpaid negative listing. This results in the brutal reality that you get no favorable treatment with regards to your credit report for doing the right thing by bringing your account current.

The best solution is to let us work to optimize your credit while at the same time you attempt to fulfill your payments obligations to your creditors.

Are your services guaranteed?

While it would be unethical for any organization to guarantee that it will achieve a certain result, what we do guarantee is that our team will work on your case with the utmost diligence. Our success is measured by the results that we achieve for our clients.

Our confidence in the results you can expect are so high that we offer a FULL REFUND POLICY*

Is use of an attorney to repair my credit required?

While each and every one of us has the ability to learn certain specialties, often we choose to have an experienced professional complete certain complex tasks on our behalf. If you were to spend a substantial amount of time developing and testing strategies comparable to those our team has devised after many years of experience you could probably accomplish some of the things that we offer you.

Attempting to optimize your credit yourself would be comparable to representing yourself in court. That being said, yes you are legally entitled to do it, however most people recognize the importance of the issue and the level of experience necessary to achieve their desired results and determine that having a team of experienced attorneys represent them is the better choice.

Your choice to have our team of attorneys represent you will likely lead to better results while at the same time saving you a tremendous amount of time, grief and money. Don’t be fooled, this process is incredibly time consuming and very complex. As our client you are the recipient of many years of experience and an ultimate process that has proven highly effective for thousands of our previous clients.

What about contacting my advocate?

Upon your decision to retain our services you will receive an introductory email with important contact information. We are always here for you to get a hold of to assist with any questions you may have. You can rest assured that throughout the course of the attorney/client relationship we will be here to serve you in every way we can.

Will my case be handled by a true Credit Expert?

Absolutely; The Azer & Associates team ensures that your case is handled by only the most qualified credit experts in the field. Once you have signed up for our service a retainer agreement is executed. Upon the completion of the retainer agreement the powerful attorney-client relationship begins. However, it is important to note that until the retainer agreement is completed our attorneys by law are not allowed to provide any legal advice.

Are there benefits to using Azer & Associates instead of doing it myself?

Absolutely no question about it many companies who hold themselves out as organizations capable of repairing your credit actually have no business at all in this field. The truth of the matter is that the laws that have been drafted by the United States Congress are complex and require a detailed legal analysis and the proper implementation of an effective strategy that only an experienced credit expert can best offer.

Retaining Azer & Associates to enforce your legal rights has benefits that our competitors simply cannot offer including:

The team of professionals that will personally handle your case are hands down the most knowledgeable credit repair specialist in the Lehigh Valley and country in this particular area of Federal Law. After many years of enforcing these particular rights for thousands of clients we have earned our title of “The True Credit Repair Experts”  That’s why we have become the envy of the entire credit repair community.

Does it matter where I live?

The location of your residence does not play a factor in our ability to provide services to you. Azer & Associates team is limited to the pre-litigation enforcement of consumer rights under the Fair Credit Reporting Act and the Fair and Accurate Credit Transactions Act and various other Federal laws. The rights that are enforced on your behalf are Federal in nature, and subsequently are available to most, regardless of the particular state you live in. Please note that some states may have other rights and remedies available that we will not be able to provide you assistance with.

What Other Services Do You Offer?

The Azer & Associates team believes that your credit is the most important financial asset you have. For this reason, the Azer & Associates team has decided the pre-litigation enforcement of consumer’s rights as granted by the United States Congress in the Fair Credit Reporting Act and Fair and Accurate Credit Transactions Act.

By limiting our practice to this area of Federal law, we have become some of the most knowledgeable credit repair experts in the Lehigh Valley and country on matters related to your credit report and have devised the most effective methods available for optimizing the information that appears on it.

Fraud: There is no single definition of fraud, but some types of credit fraud that occur include:

• Identity theft: the unauthorized use of personal identification information to commit fraud or other crimes
• Identity assumption: long-term victimization of identification information
• Fraud spree: unauthorized charges on existing accounts
• Discovering fraud
  There are several warning signs that credit fraud may be occurring:
  • Your credit report contains inquiries or information about accounts that you did not open
  • Strange charges show up on billing statements
  • Bills arrive from unknown or unfamiliar sources
  • You receive calls from creditors or collection agencies

Suggestions for victims
If you believe you are a victim of fraud you may find the following suggestions helpful:

• Protect yourself: A 90-day security alert gives you time to verify if you are a victim of fraud. If you determine you are a fraud victim, you may add a 7-year victim statement to your credit report.
• Inform creditors: Contact each creditor with the fraud account and inform them that the account is fraudulent.
• Document all contacts: Make notes of everyone you speak with: ask for names, department names, phone extensions and record the date you speak with them.

• Understand the process: Each creditor may have a different process for handling a fraud claim. Make sure you understand exactly what is expected from you, and then ask what you can expect from the creditor. At the conclusion of an investigation, ask the creditor for a document that states you are not responsible for the debt.
• Follow up: Make sure everything a creditor/credit reporting agency has requested is received. It is always a good idea to place a follow-up call or send a letter for confirmation.
• Review reports regularly: Obtain another report several months after you believe everything is cleared up. If a new fraudulent account is discovered, you know how to handle it. If your credit report is back to normal, you can feel confident that all issues were resolved as you expected. It would be a good idea to check your credit report again in six months and a year later.
• Don't throw away files: Keep all notes and correspondence in an accessible file in case they are needed in the future.
• If you feel you have enough information pertaining to the fraudulent activity, then it would be recommended that you file a formal police report. A police report can help protect you if you need to pursue legal action in the future. Consult your local police dept for more information.
  
  
  
  
  Score Explanation:
  Scores are calculated from a lot of different credit data in your credit report. This data can be grouped into five categories as outlined...
• Payment History
  • Account payment information on specific types of accounts (credit cards, retail accounts, installment loans, finance company accounts, mortgage, etc.)
  • Presence of adverse public records (bankruptcy, judgments, suits, liens, wage attachments, etc.), collection items, and/or delinquency (past due items)
  • Severity of delinquency (how long past due)
  • Amount past due on delinquent accounts or collection items
  • Time since (recentness of) past due items (delinquency), adverse public records (if any), or collection items (if any)
  • Number of past due items on file
  • Number of accounts paid as agreed

Amounts Owed

• Amount owing on accounts
• Amount owing on specific types of accounts
• Lack of a specific type of balance, in some cases
• Number of accounts with balances
• Proportion of credit lines used (proportion of balances to total credit limits on certain types of revolving accounts)
• Proportion of installment loan amounts still owing (proportion of balance to original loan amount on certain types of installment loans)

Length of Credit History

• Time since accounts opened
• Time since accounts opened, by specific type of account
• Time since account activity

New Credit

• Number of recently opened accounts, and proportion of accounts that are recently opened, by type of account
• Number of recent credit inquiries
• Time since recent account opening(s), by type of account
• Time since credit inquiry(s)
• Re-establishment of positive credit history following past payment problems

Types of Credit Used

• Number of (presence, prevalence, and recent information on) various types of accounts (credit cards, retail accounts, installment loans, mortgage, consumer finance accounts, etc.)

Please note that:

• A score takes into consideration all these categories of information, not just one or two.
  No one piece of information or factor alone will determine your score.
• The importance of any factor depends on the overall information in your credit report.
  For some people, a given factor may be more important than for someone else with a different credit history. In addition, as the information in your credit report changes, so does the importance of any factor in determining your score. Thus, it's impossible to say exactly how important any single factor is in determining your score - even the levels of importance shown here are for the general population, and will be different for different credit profiles. What's important is the mix of information, which varies from person to person, and for any one person over time.
• Scoring Models only look at information in your credit report.
  However, lenders look at many things when making a credit decision, including your income, how long you have worked at your present job and the kind of credit you are requesting.
• Your score considers both positive and negative information in your credit report.
  Late payments will lower your score, but establishing or re-establishing a good track record of making payments on time will raise your score. 
  
  
  

Improving Your Score:

(A full and detailed explanation will be given at your free consultation,

Call us today @ (1-877-225-9810).

Engaged, Married, Divorced or Separated - (Things you should know):
Managing your credit can be tricky, even when you're the only person involved in your financial decisions. Add a new spouse to the mix, and you have to be extra careful to ensure your credit remains in good standing.