Can a credit repair lawyer guarantee a better credit score?

No, a credit repair lawyer cannot guarantee a better credit score. In California, it is illegal for companies and individuals to promise a certain credit score in exchange for a fee. There may be companies that advertise that they can repair credit scores and while they may provide helpful advice and resources, there is no way to guarantee a certain credit score. A credit repair lawyer or company can help consumers understand their rights, assess their credit situation, and take appropriate steps to improve their credit scores. In California, it is illegal for companies and individuals to use deceptive, misleading, or unfair practices when providing credit repair services. It is also prohibited to advise consumers to create a new or “clean” credit identity or to create a false credit identity. A credit repair lawyer or company can help by providing advice and resources to consumers struggling with bad credit, such as help reading credit reports and understanding their rights. Credit repair lawyers or companies can also provide advice and resources to help consumers dispute inaccurate information on their credit reports. Doing this may help improve the credit scores of consumers if they are able to get incorrect information removed. Additionally, they can provide advice on how to make timely payments, manage debt, and maintain a healthy credit score. In short, while a credit repair lawyer or company can provide assistance and resources that may help improve a consumer’s credit score, they cannot guarantee a better score in exchange for a fee. Consumers should be aware of the laws in California prohibiting the deceptive, misleading, or unfair practices when providing credit repair services.

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