Our process is simple, yet  effective. Credit Justice  Services will receive your  credit report with items you  would like to dispute.

 A paralegal will be assigned  to your specific file in order  to better assist you in the  75 day credit repair  process.
 Our Attorney will negotiate  on your behalf with  creditors and collection  companies. We have a very  high success rate helping  people just like you save  thousands of dollars, avoid  costly collection law suits,  and stay out of bankruptcy.
 You apply for a credit card  and are turned down  because of a low credit  score, yet you know that  you've always paid your  accounts on time.

 A debt collector calls to  demand payment on a  six- month overdue account  for a credit card you have  never had.

 You receive a credit card in  the mail that you've never  applied for.
 

Figure out what you need the credit for. Generally, if it's a major purchase, your lender (the car dealership, home mortgage lender, etc.) will help you fill out all the paperwork.

If you just want a credit card, you must shop around on your own. Find a bank offering a low interest rate. The lender will use your application to get a copy of your credit report from the credit bureaus. Your application, along with the credit report, will be used to "score" you.

Creditors use a score card to evaluate your credit worthiness. The following items are listed in order of importance when evaluating your credit request:
 
  • A positive, up-to-date credit report
  • A home with a mortgage and up-to-date payments
  • An American Express or Diners Club Card
  • The same job for more than one year
  • An address that you have resided at for more than one year that is in your name
  • A current or paid off bank loan
  • A MasterCard or Visa
  • A department store credit card
  • A telephone or utility bill in your name
 
 
 
 
 
 
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