Legal Question in Civil Litigation in California

I entered into a contract with a credit repair company in May 2011. The company promised / guaranteed in writing that they would be able to delete a home foreclosure and connected charge-off from my credit profile from all three of the credit reporting agency's; they stated that it " may take 90-days or longer to complete ". The company charged me $900.00 for the service . I have totally complied with my ( client ) responsibilities ( e.g. no new credit, supply all reports from the reporting agencys to the company,etc. ), but to date, there has been no change in my credit scores nor any deletion of any negitive entries; the foreclosure and charge-off is the only negative entries on my credit profile. Is 8-months long enough to wait for positive results from this company or is a year reasonable ? I would like to take this company to small claims court to get my $900.00 back, but I don't want to be in violation of the contract. PLEASE offer me a solution to my time-table question. THANK YOU !


Asked on 12/12/11, 4:54 pm

2 Answers from Attorneys
George Shers Law Offices of Georges H. Shers

I know of no legal way they could do what they promised; why would a valid credit negative be removed just because you wanted it removed? It seems they defrauded you. you can sue for punitive damages. They probably also violated the new legislation as to credit repair companies.

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Answered on 12/12/11, 11:49 pm

You are the victim of a con artist. Report it to the police. Expect no results from them but at least it goes on record. Then accept the fact that nothing but the passage of time will remove the effect of a foreclosure from your credit record.

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Answered on 12/13/11, 10:02 am


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