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Credit Repair/Expert Profile
Expertise
I can answer questions on credit reports and dealing with credit reporting agencies, including disputed items, credit scores, and other consumer-related issues.
Experience in the area
In addition to being an attorney and accredited educator, I have dealt with credit reporting issues for over 25 years.
Organizations
Currently an AllExperts Expert on Identity Theft and Reverse Mortgages
Education/Credentials
Certified Credit Report Reviewer (Institute of Consumer Financial Education, nationally prominent non-profit educational organization). Certified Identity Theft Risk Management Specialist (ICFE) JD, Yale Law School BA, Princeton University
What do you like about this subject?
Accurate credit reports and and fair credit scores present a growing problem that requires education and straight answers for consumers and businesses alike. I like being able to share my own experience and research to help them.
What do you still hope to achieve/learn in this field?
Based on the real life experiences of people who come to AllExperts for advice, I am able to learn more about ways to foresee and prevent problems for consumers and businesses.
Something interesting about this subject that others may not know:
It is not well known that your credit score affects both availability and cost of other consumer needs, like homeowner/renter and automobile insurance.
Something controversial or provocative about this subject
Even if it's an error, a credit report that shows a late payment on almost any account can result in the interest rates on all your credit cards increasing dramatically. You should never have to pay for "credit repair" in advance, before you can see the results.
Average Ratings
Recent Reviews from Users
K = Knowledgeability C = Clarity of Response P = Politeness| User | Date | K | C | P | Comments |
|---|---|---|---|---|---|
| Aneika | 02/06/12 | 10 | 10 | 10 | Thank you very much for the quick ..... |
| Cathy | 02/01/12 | 10 | 10 | 10 | Wow, I had no idea you could ..... |
| Stephen | 01/05/12 | 10 | 10 | 10 | Thank you for the answer! |
| Julia | 12/29/11 | 10 | 10 | 10 | Thanks very much for your quick reply! |
| Ana | 11/30/11 | 10 | 7 | 10 |
Recent Answers from Yan Ross
2012-02-08 short sale:
Dana, There are numerous variables involved in your situation, so I'll identify some of them and make a couple of suggestions. First, your transaction will probably be covered by NY law, so I can't
2012-02-05 Credit Repair:
Aneika, Unfortunately, your situation is not uncommon, though there is not a single "one size fits all" solution. In general, the longer you have a given account open, and meet the payment terms
2012-02-05 "date opened" was 2005 but is now 2011:
Andrea, I have a couple of thoughts to suggest. First, since State law determines some of the basic questions involved in the statute of limitations and the collections process, you would have to
2012-01-31 Bankruptcy?:
You've posed two questions, and let me respond in turn: Any positive movement in your payment of outstanding balances will tend to improve your credit score over time, though it may be slow (months
2012-01-30 Bankruptcy?:
Cathy, I've reviewed the information you sent, and have some thoughts about some information you left out, too. It appears to me that your credit score is not the primary concern in moving forward
Answers by Expert:
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