About our Firm

Are you a Law Firm?

Yes, we are a law firm, and we have legal representation experienced in consumer law available to us in the event that a creditor or credit bureau does not follow through with the legal guidelines pertaining to credit reporting. We will soon have an attorney in every state in the country ready to back our clients.
 

Can you tell me about your firm?

Our Leadership team has over 15 years of credit repair experience and the disputing processes we use have been in place for close to ten years. We use the latest technologies and state of the art database systems to produce timely results and maintain client satisfaction. Our firm provides a completely personalized service by supplying you with your very own case manager who will be with you from the beginning of your case until you are satisfied. Our goal is to offer a service where you feel like you've made a friend more than a business partner.

How is this done legally?

Both the Fair Credit Reporting Act (FCRA) and the Fair Debts Collection Practices Act (FDCPA) have been put in place to protect consumers. The FCRA alone allows you to challenge the accuracy, validity, and timeliness of any negative item on your credit report. Federal law allows a response time of thirty days for the bureaus to provide documentation to back their claim. If they do not provide proper evidence, the negative information must be removed.There are hundreds of guidelines both creditors and credit bureaus are required to follow in order to legally report any negative credit information about you. The fact of the matter is, both the credit bureaus and creditors very seldom hold up their end of the bargain.
 

What happens after I sign up?

You will receive a phone call within 72 business hours of signing up for our services. In this conversation, a representative of the firm will guide you through the process of getting us a copy of your credit reports or, if you already possess a copy, your representative will let you know how to get it to us as soon as possible. Upon receiving your credit report, your personal representative will call you for a credit consultation.During this consultation you will become acquainted with your representative, who will advise a plan to increase your credit score quickly and efficiently. During the course of your retainer, you will receive at least three contacts each month updating you on your casework, and the tools and education pertaining to credit and the credit industry. These contacts may come in the form of an e-mail or telephone call. It is absolutely essential that you keep a valid e-mail address throughout the course of your retainer. Not having an e-mail address may slow down the educational process, as well as delay updates on your casework. You are also allowed to call your representative whenever necessary.Upon the completion of your casework we will provide you with a written report of everything we accomplished on your case.
 

Can I do this myself?

Yes, consumers can potentially handle any legal situation on their own. The question is, does it pay off? The answer to that question is, not usually. The legal system can be very complex, even to lawyers themselves. Chances are that by representing yourself in any legal aspect, you risk damaging your situation even more. For over ten years the team at Princeton Law Firm has been helping consumers with your same issues to gain control of their financial situation and start applying for credit with confidence. In the event that a creditor or credit bureau does not comply with the laws they are bound to, we have legal representation standing by to take your case.
 

How do you accomplish your results?

Remember that restoring your credit consists of numerous steps and evaluating your credit score at every stage. Again, your credit score is the ultimate determining factor when being approved for credit.The credit-scoring model is based on very complex system. The model consists of 300 different characteristics, which are then reduced to 10 different scorecards, and each one impacts the other. Other than demystifying the credit scoring formula, we also provide the basic credit report disputing process. This is where we submit dispute letters to the credit bureaus on your behalf challenging the bureaus to verify the item in dispute. This is the only approach most "credit repair" companies use and charge a significant amount of money to do so.Some credit repair firms pose as law firms just to make consumers feel secure with their decision. Don't be fooled! It is very unlikely that one attorney is directly involved with tens of thousands of cases each month. That is not only manipulative; it's dishonest.
 

Do you guaranty your service?

The firm of Princeton Law Firm complies with Federal Trade Commissions regulations. It would be illegal for us to guaranty a specific result for this service. It would be like an attorney offering his/her clients a guaranty that they would be released on all charges in a court of law. However, we do offer a guaranty/warranty of your satisfaction. If we have not deleted any negative items or raised your credit scores, we will gladly refund all your monthly payments back.
 

How long will the process take?

Every case we handle is different. This makes it very difficult for us to tell clients how soon their case will be completed. What we have done is averaged the time it takes us to provide client satisfaction. Our average participating client is satisfied with their credit standing within 3-6 months. Here at Princeton Law Firm, we ask all of our clients to give us six months to receive optimal results. If we have not deleted any negative items or raised your credit scores, we will gladly refund all your monthly payments back.

Can late payments be removed?

Yes, our methods of disputing have proven to remove any type of late payment whether it is 30,60,90,or 120 days late. We see more late payments being removed than any other negative item.
 

Can collections be removed?

Yes, inaccurate and unverifiable collections have been removed by using our proven methods of dispute. By using our settlement services we can reduce any accurate debt by 50% of what you owe and in most cases remove the negative item from your report.
 

Can repossessions be removed?

Yes, our proven methods of dispute can remove repossessions. Repossessions are somewhat similar to a collection; in most accurate cases there is a balance for us settle which then leads us to negotiate the deletion of the item.
 

Can a foreclosure be removed?

Yes, Foreclosures can be removed along with any other negative item on a credit report.
 

Can bankruptcies be removed?

Yes, as long as the bankruptcy has been discharged it is possible for us to remove the Item. We will also educate you on how you can recover from a bankruptcy within months not years!
 

Can student loans be removed?

Late payments on student loans can be removed, although student loan debt can not be settled.
 

Can inquiries be removed?

Yes, a creditor must provide documentation showing you applied for credit with their company, if they do not provide proper verification then the Item is removed.
 

How many credit bureaus are there?

There are three main credit bureaus; Trans Union Corporation, Experian, and Equifax. Each of these bureaus are a for profit organization and are NOT government related.
 

Do I need my credit report before I start?

No, we can get started on the initial setup of your casework and at the same time order your credit reports. It only takes a day or two to get a copy of all three of your reports. Once you're signed up, case managers will walk you through this process step by step.

What is the start up fee and what does it cover?

The initial start-up fee is $129.00/Single or $159.00/Couple per retainer, which covers all the set-up costs. The set up is completed instantly after completing the step 1 form of the retainer. Your monthly fee will be either $49.95/Single or $69.95/Couple. This fee will cover all case work as it is completed in full on a month to month basis.