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We Bring Lawsuits Under the Fair Credit Reporting Act (FCRA), Help Restore your Credit & Get You compensation. $0 Out-Of-Pocket Lawsuits.
Nash
November 20, 2023.
My experience with Tier One Credit was genuinely remarkable, and it contributed to a significant improvement in my financial circumstances. I made the decision to give them a shot, and I couldn't be happier with the things that came out of it. Throughout the entirety of the process, the team not only shown a high level of professionalism but also provided much needed support and education. They went above and beyond to guide me through the necessary steps. Their knowledge and unwavering dedication made the process effortless.
What sets them apart from other businesses, is their commitment to improving their clients lives. As a result of their aid, my credit score dramatically improved, which made it possible for me to qualify for a mortgage and realize my ambition of being a home owner. The quality of service that they provided and the positive effect that they had on my credit cannot be overstated. Without a doubt, I would recommend this credit repair organization to anyone who is looking for assistance that is dependable, efficient, and supportive in the process of transforming poor credit into excellent credit.
Mat Jan
November 20, 2023.
I was referred to Tier One through my cousin who's a loan officer. Sam reviewed my file and said I was a good fit for credit repair. He kept me updated and removed a collection. Then he told me Shiva the lawyer thought I might have a case. They connected me with another law firm which disputed the remaining accounts. those guys are suing the credit agencies for me, so I can get my credit fixed and maybe get some $$ too. Sam and Shiva have been super helpful, and I'm really glad I met them. these guys are really professionals and the best out there.
Pilot Mic
November 18, 2023.
Can't speak to the actual service as I can't seem to get to that point with them. Seem like nice people but someone named Sam has been promising me initial paperwork going on 3-4 weeks now on multiple occasions and then disappears again not to be heard from. Seems ability to follow through and follow up is non existent which actually makes me more concerned about giving them money to perform the service and then having the same problem. Makes me also wonder about these other reviews as I can't believe that this would be an isolated case.
Stefanie Gray
May 21, 2023.
For years, I had struggled to dispute inaccuracies strewn across my Experian and Equifax reports. I did everything “the way you’re supposed to” and mailed off certified dispute letters to the credit bureaus and lenders, attaching full documentation and citing direct violations of the Fair Credit Reporting Act.
No matter how many times I disputed these illegal errors, neither the lenders nor the credit reporting bureaus would budge.
Finally, after falling into a rabbit hole deep within the credit nerd Internet, I found Shiva Bhaskar on Reddit helping individuals with their credit repair concerns.
Shiva answered their questions with kindness, empathy, and respect, and I could tell that he was highly knowledgable regarding niche subjects such as Equifax’s atrociously bad data.
When we spoke directly, I could immediately tell that Shiva was the real deal and not some Lexington Law type scammy nonsense or a fly-by-night money-grubber who’d make promises he couldn’t keep.
Instead, he took the time and energy to truly listen to my story of how badly the bureaus had screwed up multiple accounts across my credit reports.
I appreciate that he never rushed me through the absurdly esoteric details, or made me feel like “Yeah, yeah, geek lady, I get it, now give me your money.”
Above all, I was honest with Shiva about past credit mistakes due to financial turmoil faced several years ago, and there wasn’t an ounce of judgment in his voice. Now that's the sort of person I can truly trust.
That said, I’m excited to keep working with Shiva and Tier One Credit, because within a matter of 3 months, their team got an entire credit card tradeline removed from all 3 of my credit reports. Amazing!
Most importantly, they discovered ongoing FCRA violations that I can rightfully dispute in court – and I might even be able to walk away with a bit of $!
(Perhaps the bureaus and lenders should’ve listened when I mentioned that these things were illegal?)
When I originally hired Tier One, it was for the purpose of tradeline removal. I had no clue that they would be able to help me file a lawsuit and potentially recover a settlement while getting the errors corrected, so this was a very pleasant surprise. Very pleasant indeed! 🙂
Honestly, I cannot recommend Shiva Bhaskar and Tier One Credit enough. They’re a phenomenal firm, and they’re worth it.
Sam Stokes
May 6, 2023.
I cannot thank them enough. Complete resolution of the issue with no hassle. Very knowledgeable and took the time to explain everything to us throughout the process. Will recommend.
David Parker
November 25, 2022.
I have worked a number of months of Tier One Credit to improve my credit scores which took a big hit during the pandemic. I had a number of late payments on cards and also some "settled for les" than the full amounts
.
Shiva Bashkar and his team provided me outstanding advice on how to improve my cc scores and had my accounts with negative information removed from my credit history. It is a legal process that can take many months, but Tier One Credit was great at keeping me posted and answering all my questions.
I can recommend them without any hesitation if you would like help with your credit situation.
Kate Aviles
August 9, 2022.
I am very satisfied how tier one credit explained and helped me out with my credit and being truthful to their customers. Thanks to Google and I found tier one credit 🤟
Mick Lewis
July 27, 2022.
These guys have been awesome since day one. Working on clearing up a few items on my credit report to be in the best position for a new home purchase. Shiva is the only “white glove” service I have found after searching for literally months. They know what they’re doing and the get to work quickly. These guys aren’t random internet credit repair people going through the motions to be able to charge you. They are legit attorneys with a team to do things the right way.
Fiona Bryan
July 26, 2022.
As a loan officer, I have referred several clients to Shiva and the Tier One team. They are always very honest about what they can and can’t do to help my borrowers. Sometimes they give simple advice that costs nothing and other times they are able to set my borrowers up on a longer term journey that ends in home ownership. I always appreciate that they treat every one of my clients with honesty up front. There are a lot of services that claim to help with credit and are quick to take money before they know if they can even help. In my experience, Shiva’s team will let you know right of the bat if they think their services are necessary or not.This honesty and integrity is hard to find in the credit space. I am extremely grateful to have Tier One as a trusted resource for my business.
Sammy Lyon
July 21, 2022.
Shiva and his team are super professional and great at what they do. Integrity!! I am a Realtor who works with a lot of first time homebuyers in the Los Angeles area, and have been grateful to be able to refer clients to Tier One Credit when needed. I recently closed a transaction where the buyers got their credit taken care of with Tier One in a matter of months, and within 90 days they got pre-approved and closed on their first home. Truly a testament to the importance of this work, and helping democratize wealth building for all. Highly recommend!
Credit Reporting, Debt Collections Violations and Credit Restoration Attorneys.
Credit Reporting, Debt Collections Violations and Credit Restoration Attorneys.
Sue: A Compensation of $1,000 per credit report Error Violation
About 1 out of 10 of credit reports contain errors. Our FREE Errors & Lawsuit Review will clarify your options: If you have an FCRA case or something else. Our goal is maximize your credit scores and pinpoint violations that can get you paid & ultimately removes the negative account.
You Get a Personal Credit Lawyer
All clients are represented by a lawyer. Optimum credit scores involves the use of powerful federal and state laws- including the Fair Credit Reporting Act (FCRA), and Fair Debt Collection Practices Act (FDCPA). Even got clients paid for violations.*
Save Big Dollars. Even Get paid!
Dollar for dollar- we’ve delivered greater value and resolved more challenges for clients than any other credit service, period! Clients are assigned a lawyers and financial advisor who know the law to defeat bad, erroneous credit & build more credit. This means much better and faster results for you. 100% Free Lawyer
Protect Your Self Against Credit Reporting Error
Most people don’t pay much attention to their credit data files. As long as the credit score number is good enough to get the loan they need, they don’t give the report another thought. However, your credit file is extremely important.
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How We Improve Credit Scores & Reports...
#1. Review Your Credit Profile
We will analyze all your 3 credit files. We will be looking for errors in items like collections, charge-offs, tax liens, repossessions, judgments, public records and late payments.
#4. Work with Third Parties
Unlike "credit restoration" companies, our firm work with third-parties that serves as a second set of eyes in the credit repair process. Ex. Courts, CFPB etc.
#2. Review for FCRA Violations and Errors
Correspondence is sent to your creditors directly. The letters are always sent via certified mail. The letters will include disputes, appeals, validation requests, and goodwill intervention.
#5. Unlimited Negative Items
We work on removing any and all negative items . Your "Client Portal" lets you see all the progress: what is being worked on and which is deleted.
#3. Write to Your Credit Agencies
Additional legal documents are sent to the 3 credit agencies (Transunion, Equifax, and Experian) for immediate verification, updates, deletions, and/or corrections.
#6. Watch the Progress
Build more credit as we litigate the derogatory items off. We will give you "Actionable" steps on how to build more & stronger score, fast.
A Completely Effective Approach to Accurate & Strong Credit
5
+
New Home Buyers
100
+
Negatives Deleted
3
+
Mortgage Refinances
159
+
Collections Deleted
20
+
Auto Refinance
7
+
Points Increased
How Our
Lawyer - Based System Removes Negatives & Rebuilds Credit
When done properly, credit errors litigation is one of the most effective strategies for restore your credit. By law, everything which appears on your credit report must be 100% accurate, verifiable, and timely. If not, it must be deleted- or sue!
Our system focuses on diving deep into your credit files, to find out all errors/ mistakes, crafting the most effective approach to challenging and ultimately removing your negative credit items. Including initiating lawsuits.
Schedule your free credit analysis to find out exactly how we can help you realize your dreams.
