Welcome to Credit Advocates of America

Welcome to Credit Advocates of America, where our mission is to stop scammers and miserable creditors from ruining your life. Founded by Samuel Rael, an attorney with over 50 years of experience in credit advocacy, our organization is dedicated to helping individuals correct inaccuracies on their credit reports and background checks. We believe that everyone deserves a fair chance to achieve their financial goals and live the life they deserve.

The Importance of Your Credit Score

Your credit score is crucial because it affects your ability to obtain loans, mortgages, and credit cards. Many people need assistance improving their credit score or correcting mistakes on their credit report before applying for a loan.

Lenders use your credit history to determine interest rates and loan eligibility. Errors on your credit report can lead to higher costs over time, making it essential to ensure your credit information is accurate and up-to-date.

How Does the FCRA Impact Your Credit Score?

The Fair Credit Reporting Act or FCRA is a federal law that regulates the collection of consumer credit information and access to credit reports. This federal law governs the collecting and reporting of consumer credit info, including how the credit bureaus may obtain the information, for how long they may keep it, and how they can share it with other entities. In short, the FCRA is instrumental in the following:
Regulation of credit bureaus’ actions
Regulation of information businesses receive about individual consumers
Providing rights to consumers Consumers can reference the provisions of the FCRA by visiting www.consumer.ftc.gov.
Not just anyone who wants to see your credit report can do so. The FCRA places restrictions on who can view your credit report and when. Typically, the consumer initiates a transaction that gives consent to have their report evaluated by the entity they wish to borrow money from.

About Us

Who We Are

Welcome to Credit Advocates of America, where our mission is to stop creditors from ruining your life. our organization is dedicated to helping individuals correct inaccuracies on their credit reports and background checks. We believe that everyone deserves a fair chance to achieve their financial goals and live the life they deserve.

Created and Established By


C. Samuel Rael, our lead attorney, is a graduate of both the College of William and Mary and New York University (NYU). He began his legal career working with a distinguished attorney in Atlanta before opening his own successful practice in criminal defense, The Rael Law Firm. Samuel’s legal expertise and relentless pursuit of justice have earned him a reputation for excellence.

Our Mission

At Credit Advocates of America, our mission is to empower individuals by ensuring their credit reports and background checks are accurate and fair. We understand the significant impact that erroneous information can have on your financial well-being and opportunities. That’s why we are committed to providing personalized, expert guidance to help you navigate and rectify these issues.

Our Services

Identity Fraud Recovery

Nowadays everybody is subject in one way or the other to online fraudsters and crooks. Scammers are using more and more sophisticated methods to steal financial identity. This hits your pocketbook and your credit report. It is the responsibility of law enforcement and the credit bureaus to STOP this from continuing, but when they fail to prioritize you, we step in.

Background Check Rectifications

Mistaken identities and incorrect information on background checks can be devastating. We work diligently to clear your name and ensure your background report reflects your true history.

Credit Report Corrections

We meticulously review and correct errors on your credit report, ensuring that your financial profile is accurate and fair.

Accountability Actions

We hold credit bureaus and creditors accountable for their errors. When they fail to maintain accuracy, we take decisive action to ensure they not only correct these mistakes but also compensate for any harm caused.

Why Choose Us?

  • No Upfront Fees: We believe in winning your trust and your case first. You pay only when we succeed in correcting your credit report or background check.
  • Proven Track Record: With decades of experience and countless success stories, we have the expertise to handle even the most complex credit and background issues.
  • Personalized Solutions: We understand that every situation is unique. Our tailored approach ensures you receive the specific help and guidance you need to improve your financial standing.
  • Dedicated Support: Our team is committed to your success. We provide ongoing support and are always available to answer your questions and address your concerns.***
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