What are some of the unauthorized practices that credit repair lawyers may use?

Credit Repair Law in Washington is an important legal right that can help those with impaired credit. Credit repair lawyers are authorized to help clients improve their credit scores by working with creditors and the three major credit bureaus. Unfortunately, there are some unauthorized practices that credit repair lawyers may use to try to help their clients. One such unauthorized practice that credit repair lawyers may use is known as “credit washing.” This involves falsely disputing accurate information contained in a consumer’s credit report. Credit lawyers can also engage in “credit cramming”. This is when the credit repair lawyer adds lines of credit with high annual fees to the consumer’s credit file. This will artificially inflate the credit score, but the consumer is left with more debt. Another unauthorized practice used by credit repair lawyers is “credit masking”. This is when the lawyer removes negative items from the consumer’s credit report, even if they are accurate. These negative items can range from late payments to bankruptcies. Lastly, credit repair lawyers may also use “credit doctoring”. This involves providing inaccurate information to the credit bureau in an attempt to improve the consumer’s credit score. This can include providing false dates of employment, false addresses, and more. Overall, Washington credit repair law is an important legal right that has been put in place to help consumers with impaired credit. Credit repair lawyers are authorized to help their clients, but they must make sure to stay away from any of the unauthorized practices mentioned above.

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What are some of the unauthorized practices that credit repair lawyers may use?

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