Tel: 805-494-6557
Fax: 805-409-8677

            Attorneys at Law

Are mistakes on your credit report costing you money?

When a friend first who works in the credit repair business asked me this question, I immediately tuned him out thinking that he was giving me a sales pitch that I could politely ignore. I told him I had great credit and did not need to worry about my credit report. He told me I was probably right and to call him about it if I ever needed to fix my credit report.

When I was shopping for a loan to refinance my house to take advantage of the low interest rates I told all of the potential lenders that I had superb credit and asked only about their “best” rates. But, when they ran my credit report I was told that I not only did not qualify for the best rates, but that I had a less than stellar credit score. 

I did not understand how this could happen. After all, I have been a successful attorney for ten years and pay all my bills as they come due. I still received several offers a week from credit card companies offering me credit that I would routinely throw away without even reviewing them. I called my credit repair buddy back and started paying attention to what he said.

Your Credit Reports have Information From Your Creditors

My credit repair buddy told me that even though I should have stellar credit, it is possible that proper information that should be on my credit report just hasn’t made its way there. Or, that damaging information that should not be on my credit report has mistakenly been placed there. In some cases, other people’s bad credit history may have been inadvertently been placed on another’s credit report.

Your credit varies depending on the Credit Bureau

Another important piece of information was the fact that each of the three major credit bureaus, Equifax, Experian (formerly TRW) and TransUnion, maintain their own credit report for each consumer. Their reports are NOT necessarily the same. Thus, each of the three can have different erroneous information and different credit scores (also known as a “FICO” score).

For a small fee ($24) my friend ran my credit report for all three credit bureaus. It turned out that there showed several items of credit that should no longer have been on my report. There were duplicate items of credit where I had transferred a balance from one credit card to another. And, the information on each credit report was different. 

Why does my credit report matter to me?

With this information I started paying attention to the credit card offers I was getting. That week I checked the mail at home and discovered that the credit card offers we were getting did not seem to be nearly as good as they used to be.  Instead of having the very low rates offered to us like we used to get, the “teaser” rates were higher and did not last as long, and the final rate was significantly higher than the offers we used to get. 

My credit repair friend gave me some information background information on what poor credit means to me. It can be stated bluntly that poor credit costs me more money than if I had good credit. Basically it boils down to this: creditors (people from whom you borrow money whether by credit card, home loan, etc.) generally believe that the better your credit rating the less likely you are to default on any of your credit obligations. The less likely you are to default, the easier it is to obtain credit AND the better the terms of the credit you obtain. Bottom line: The better terms you can get means the lower your interest rate that means you save money!

The easy way to repair your credit report

The easiest way to repair your credit report is to hire someone to do it cheaply and with the least hassle for you.  We currently charge on an hourly basis for the work that we do at the rate of $275 per hour for credit repair.  The work we do is based solely on the amount of time spent on a client's file.  Sometimes issues can be resolved quickly and cheaply. 

Can I repair my credit report myself?

Sure. In fact both the Federal Government and California have credit reporting laws to protect consumers and place certain requirements on the credit bureaus. An individual can do it without help. However, writing dispute letters to each of the credit bureaus can be a daunting and time-consuming task. Often, the cost in time to the individual trying to learn the system on their own is frequently outweighed by the relatively low cost associated with having experts do it.

Cost of having someone else repair your credit report

Other credit repair companies charge significantly higher fees to fix credit reports.  These fees can go as high as several thousand dollars. Thus, the credit repair program used by DONNER & DONNER gives consumers excellent opportunity.

Call the law firm to learn how to repair your credit and obtain free credit repair services. 


DONNER & DONNER (LEGAL WARRIORS®) is a law firm located in the Conejo Valley that has recently expanded their practice to include consumer credit repair. DONNER & DONNER is a full-service law firm that represents individuals and businesses as well as conducting litigation, business formation and contract negotiations, estate planning, wills and probate and other legal areas. Contact them at 805-494-6557 or e-mail: Or, check out their web site:



DONNER & DONNER - Legal Warriors ®

Attorneys at Law

910 Hampshire Road, Suite R

Westlake Village, California 91361  

Tel:  (805) 494-6557

Fax:  (805) 409-8677*


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