I am dedicated to the empowerment of each and every American consumer, by helping them enjoy the best credit history/score possible. I utilize my deep knowledge of federal and state consumer rights laws, including the Fair Credit Reporting Act (FCRA), as well as the Fair Debt Collection Practices Act (FDCPA), to develop personalized strategies to allow clients to rebuild their credit (through the removal of negative credit items). Additionally, my team and I leverage my expert understanding of the FICO and Vantage credit scoring processes, to guide those who are building (rather than rebuilding) their credit scores, towards the fastest, most cost-effective path to impeccable credit. Currently, I serve as the cofounder and head of legal strategy for Tier One Credit (www.tieronecredit.com), where we are laser-focused on one goal: Helping each and every one of our clients enjoy the very best credit score possible. My partner/cofounder, M. Tony Budri, is not only a longtime credit consultant, but also a licensed mortgage loan originator and real estate investor, so our firm offers a unique blend of legal and financial expertise. To connect, please message or add me on LinkedIn, or send me an email at shiva@tieronecredit.com. If you are a real estate or mortgage lending professional, we welcome the opportunity to help your clients build stronger credit, so that you may close more deals, and generate greater referral business. We work with clients in each and every state! Please reach out to discuss further!