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Davis Shapiro, a financial services lawyer of 27 years experience, and a reputable expert in the arena of credit repair, has authored the book The Attorney's Guide to Credit Repair. Since the federal law, the Fair Credit Reporting Act (F.C.R.A), passed in May 25,1970, was enacted to protect the consumer from being treated unfairly by the credit bureaus, Shapiro uses that law to create his method of credit repair in his book Because the law allows for the removal of credit reporting items that are not 100% accurate and verifiable, and because the files of the three major credit bureaus (Trans Union, Equifax and Experian) are only 20% accurate, Shapiro is able to use these very facts as strategies for deleting inaccurate and negative credit entries. In his book, The Attorney's Guide to Credit Repair, Shapiro clearly states that it is not true that a consumer will have to resign himself to bad credit sitting on his records for ten years. The banks and credit card companies propagate this myth, but Shapiro gives the procedures to follow to remove negative items much sooner. Many consumers believe the misinformation they are given and suffer needlessly from the disastrous effects of bad credit for many years. The consumers' Fico score is improved through the step by step method Shapiro uses and is based on the F.C.R.A law and the inaccurate information dispute process of the credit bureaus. He uses carefully crafted dispute letters and gives a detailed explanation of the importance of the Fico score. He shows how the Fico score affects approval for credit and how removing inquiries can add points to the credit report. The Attorney's Guide to Credit Repair uses techniques for credit repair that are not found anywhere else. It is clearly written and provides a clear guide for raising the credit score, and erasing bad credit in the least amount of time. The guide will allow anyone to eventually get the credit card and loans they desire and then move forward with their goals. If the The Attorney's Guide to Credit Repair is followed closely, results are guaranteed to increase the Fico score. This is possible since the process involves the use of current laws that allow the removal of any entry in the credit report that is not 100% accurate and verifiable.
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