Many consumers come to us with concerns regarding their credit. While some clients simply need financial advice on how to improve their credit, the majority of our clients have found errors on their credit reports which have the potential of costing them thousands to tens of thousands of dollars in interest over the life of their loans. Many of our clients have attempted to dispute the errors on their credit reports to no avail. Either the derogatory items are never removed or the items are removed but reappear on their credit report a few months later.

Still other clients come to us after using a “credit repair company” they found on the internet. Unfortunately, many of these companies simply run your credit bureau through a software system to find obvious errors. As a consumer advocacy firm, S.J. Mobley and Associates looks through your credit bureau to find both the obvious and not-so-obvious errors. We then dispute items by using federal laws and statutes enacted specifically to protect consumers like you. Most of the credit repair companies depend solely on their software and the Fair Credit Reporting Act (FCRA) instead of using the arsenal of consumer protection statutes available to remove derogatory items. Also, unlike fly-by-night credit repair companies, we are strictly regulated by attorney ethical rules and regulations, allowing you to rest assured that we are using all available means to protect your interests not just today but in the future as well.