CreditReason is experienced and intimately familiar with the consumer issues that are implicated under the FCRA, FDCPA, CROA, and related state and federal laws, so you always have the support you need. You can depend on our experience and knowledge in the credit reporting and credit scoring industry. 

Litigation Services
CreditReason provides invaluable expert services throughout all phases of litigation, from pre-filing analysis and settlement discussions through final disposition.

Pre-filing Analysis
Before you embark on the uncertain path of costly litigation, CreditReason can evaluate the facts in light of relevant laws and industry standards and provide you with expert insight as to the merits of your claims or defenses.  Although we generally charge by the hour for our expert consulting services, some projects, such as pre-lawsuit review and analysis can be quoted as a flat-fee.  We often recommend to new clients that they consider this per-project option during an evaluation phase.   

Written Discovery Services
Knowing what information you currently have and where you intend to go is important.  But knowing what information you do not have and what is available is crucial.  We listen to you and get an understanding of your circumstances and objectives. We then provide guidance on the types of information that are available from the adverse party, and elsewhere, that will enable you to pursue those objectives. This can be in the form of telephonic consultations, or we can prepare the industry-specific discovery requests for you.  As with any litigation, planning is key to success. At CreditReason, we bring a range of experience across the legal and credit industries to help you understand and define your discovery needs.

Expert Report Services
A quality expert report clearly and concisely states the opinions and conclusions of the expert, along with the detailed facts and analysis that support the expert's opinions.  We understand the value of a thorough, well-written expert report.  Top-notch analysis and writing are lifelong passions of CreditReason's founder, Matt Arnold.  We furnish expert reports in the course of litigation engagements as requested by our clients, and we also welcome those clients who may desire a report outside of the litigation arena.  

Testimonial Services
We are seasoned deposition and trial professionals.  In his prior law practice, Matt Arnold has tried cases before juries, and has hired expert witnesses to provide crucial testimony for his clients.  CreditReason knows the importance of presenting clear, coherent testimony that is easily understood by the average jury.  Our experience in distilling complex concepts into laymen's terms benefits our clients by making our testimony credible to the jury, judge, and even the opposing party.

Settlement Discussions
Whether you are a plaintiff or a defendant, CreditReason will help you send a strong signal to the opposition that you are serious and believe in your case.  Arm yourself with a thorough, detailed and defensible expert report to bolster your settlement position.

Regulatory Compliance
CreditReason can analyze your organization's internal practices and procedures and provide expert advice regarding compliance with various consumer statutes, including the FCRA, FDCPA, CROA, and RESPA.  By taking proactive measures now, your organization can implement best practices to minimize the ever-present risk of consumer lawsuits or intervention by various regulatory authorities.  Put our expertise to work for you.