OTRO Credit Repair
Errors on your credit report? If they can’t prove it, they must remove it.
Credit report mistakes are more common than most people think, and they can cost you loan approvals, higher rates, and bigger deposits. Get a free credit audit and consultation, and learn how a stronger credit score can help you take control of your finances.
Did you know?
A Federal Trade Commission study found that one in five consumers had an error on at least one of their credit reports. Some of those errors were serious enough to change the consumer’s credit score.
- Accounts that aren’t yours
- Late payments you actually made on time
- Old debts reported past their legal time limit
- The same debt listed more than once
- Wrong balances, credit limits, or account status
How OTRO Credit Repair helps
Our credit repair specialist offers personalized help for people who want to improve their credit and get approved for loans, credit cards, and mortgages at the best rates possible.
- Free credit audit. We review your reports and walk you through what we find.
- Challenge what’s wrong. We dispute inaccurate, incomplete, and unverifiable items with the credit bureaus and creditors.
- Build what’s right. We help you add positive history and manage your credit going forward.
Prefer to do it yourself?
If you’d rather handle your own disputes, ConsumerLaw101 is a do-it-yourself credit repair program created by a consumer-law legal team. It teaches you how to use your rights under federal consumer protection laws to challenge errors on your credit reports, step by step, at your own pace.
- Built by attorneys who handle consumer-law cases
- Learn how to dispute errors with the credit bureaus yourself
- A lower-cost option if you’re comfortable doing the work
This is a referral link. OTRO may receive compensation if you purchase through it, at no extra cost to you.
Are creditors or debt collectors harassing you?
Federal and state laws limit what creditors and debt collectors can do to collect a debt. If any of these sound familiar, your rights may have been violated:
- Repeated calls meant to annoy or wear you down
- Calls before 8 a.m. or after 9 p.m., or at work after you’ve asked them to stop
- Threats of arrest, jail, or legal action they don’t intend to take
- Abusive, profane, or insulting language
- Telling your family, friends, or employer about your debt
- Trying to collect a debt you don’t owe, or more than you owe
We can refer you to a law firm that fights back
We work with a consumer-law firm that takes creditors and debt collectors to court on your behalf when they break the law.
The firm works on a contingency basis. That means you pay no upfront legal fees. The attorneys are paid only if your case succeeds, and under many consumer protection laws, the company that broke the law may be required to pay your attorney’s fees.
Frequently asked questions
What does the free credit audit include?
A review of your credit reports and a consultation about what may be hurting your score, what can be challenged, and what your options are. There’s no cost and no obligation.
Can credit repair remove accurate negative items?
No. Accurate, verifiable information can’t legally be removed. But anything inaccurate, incomplete, or unverifiable can be challenged, and if it can’t be proven, it must be corrected or removed.
Should I use the service or the DIY program?
If you want experts to handle the work for you, start with the free credit audit. If you’re comfortable writing and tracking your own disputes, the DIY program can save you money.
Does it cost anything to talk to the law firm about harassment?
No. Because the firm works on contingency, you pay no upfront legal fees to have your situation reviewed.
How does better credit help my business?
Most lenders still check the owner’s personal credit, especially for newer businesses. A stronger personal score can mean more funding options and better terms.
Find out what’s on your credit report.
Your free credit audit is the first step toward better rates and more options.
OTRO Financial is not a law firm and does not provide legal advice. Attorney referrals are offered as a courtesy and do not create an attorney-client relationship with OTRO Financial; any legal representation is solely between you and the law firm. Results are not guaranteed. Accurate, verifiable information cannot be removed from a credit report. You have the right to dispute inaccurate information with the credit bureaus yourself at no cost.