A Credit Repair law firm is really an attorney firm that acts as a specialist in representing you under the Fair Credit Reporting Act, the Fair Debt Collection Practices Act (also known as FDCPA) and seeks to protect the standing by making sure the document specialist is accurate.

Law firms are the only entities that can file suit on your behalf in order to enforce federal consumer law and laws who protect consumers from inaccurate credits reporting. Often creditors attempt to collect debt or post inaccurate information, which is outdated, or has run past the statute of limitations.

Law firms can send dispute letters and FDCPA notices to address inaccurate reporting or abusive collection specialist practices. When you deal with a law firm your information is confidential and is subject to attorney client privilege. Insurance companies offer identity theft protection insurance and in turn those insurance companies retain counsel to represent insured's who are covered under those identity theft insurance policies. More often than not the identity thief does not pay for this or these services and you as the victim are left with a negative credit history which must be documented and then corrected.