Credit Reporting

Your credit report should reflect accurate, up-to-date information, but that’s not always the case. We help consumers challenge errors and hold reporting agencies accountable under the law.
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Credit reports and scores play a fundamental role in modern American life. Having good credit can mean the difference between living in your dream house or in an endless financial nightmare. Regardless of how bad your credit currently is, discipline and hard work can build it back up.

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But what about when your credit is being unfairly impacted? Stale debts, improperly inflated balances, identity theft, and unauthorized credit pulls are just a few of the many ways that your credit can be improperly tarnished. Negative information on your credit reports can prevent you from buying a house, obtaining good rates for insurance, opening new lines of credit, or even getting a job or security clearance!
Unfortunately, credit reporting agencies and the creditors who report information to them do not always play by the rules. All too often, these companies misreport information, making debts appear larger or more recent, or even reporting accounts that don't belong to you at all.
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Protecting Your Rights Under the Fair Credit Reporting Act

The Fair Credit Reporting Act, 15 U.S.C. 1681, requires these companies to enact procedures to ensure that your credit reports are accurate. If you feel that your rights have been violated by an unscrupulous company reporting misinformation to your credit report, we can help! Our experienced staff will help you navigate the process the right way. You may even receive compensation for the trouble you have experienced.
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What Clients Say About Seraph Legal

AMAZING COMPANY I would recommend to anyone looking to FIX their credit, They are professional and communicate awesome. Thank you so much for the help you've provided for me and my family.
- Brian Shin
I am extremely impressed, satisfied and grateful with Nick on how he handled my debt and credit situation, he is very reliable, comprehensive and professional on what he does, I recommend him 100%. Thank You Nick!
- Julie Rodriguez
Thank you to Nick, He was absolutely amazing, very professional and extremely helpful with all the information and tips he provided. Nick was also very accessible and reliable with answering my phone calls when I needed help. I would 10/10 recommend his services to other customers.
- Alexis Gonzalez
Phil and everyone on his staff has always been very knowledgeable and responsive at all times. He is always very patient and detailed in explaining anything business related that makes it effortless to give you more time with other day to day business functions. We will keep continuing to rely on them for years to come.
- Alberto Fernandez
Thomas Bonan and team are very helpful, and will go out of their way to do what they can for their clients.
- FL Solutions