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Testimonials

Ms. Kelly is FABULOUS!

“She sued the mortgage company for FCRA violations and then sued all three credit reporting agencies for refusing to fix my credit even with proof that my mortgage company was lying to them. My credit is repaired and I am back in business. If it hadn’t been for Ms. Kelly, OCWEN was going to foreclose on my house and I’m one of those people who NEVER paid anything late in her life! After my first visit in her office, I realized she was the best attorney for this sort of problem and I felt better than I had in the year I’d been unsuccessfully battling OCWEN on my own. I have recommended her to everyone who has mentioned to me a problem. She’s wonderful! She cuts through the nonsense and gets right to the crux of the problem.”

Marian

The whole process was clearly explained by my attorneys and I was more than satisfied with their representation.

“I came to Kelly Guzzo after a utility company refused to remove inaccurate information from my credit reports that was caused by a billing error. Having never sought legal counsel before, I was unsure what to expect and quite nervous. The lawyers at Kelly Guzzo were professional, understanding, and sincere in their desire to help me get the inaccurate information removed from my report. Ultimately, we needed to file a lawsuit against the credit reporting agencies. The whole process was clearly explained by my attorneys and I was more than satisfied with their representation.”

Steve

I could not have chosen better attorneys for this type of case.

“Kristi and Andrew handled my FCRA/credit reporting cases. I could not have chosen better attorneys for this type of case. They were knowledgeable and thorough and expedited the cases and truly made me feel like I was their only client at that time. I could not be more grateful to them for seeing to it that they were completed favorably and would turn to them for any future need for representation.”

Suzanne

She was not scared to go up again the credit reporting agencies.

“As a victim of identity theft, I wasn’t sure who to turn to get help until I met Kristi Kelly. After many hours of attempts to correct my report on my own, I turned to Kristi. She advocated for me. She is knowledgeable about credit reporting issues and understood the challenges that I faced as an identity theft victim. She was not scared to go up again the credit reporting agencies, banks and debt collectors to resolve my problem. She gave me a fresh start with an accurate credit report and I couldn’t be happier.”

Shanika

Kristi is the Best in Credit Repair/Litigation/Class Action

“If you ever have the big companies take advantage of your financial misfortunes, the first person you want to call is Kristi C. Kelly. As a result of a divorce, I found myself in a financial quagmire. I ended up borrowing from online payday loans just to get by. My credit went into the doldrums and the big companies had a field day reporting legitimate as well as inaccurate derogatory data in my credit report. I went online and searched for lawyers who specialized in consumer protection law. They were all enthusiastic about filing for bankruptcy – not holding the big boys accountable. The call I made to Kristi was the best decision I ever made as far as rehabilitating my financial health was concerned. Not only is she a superbly knowledgeable attorney, she has impeccable interpersonal skills. When I first met her in person in her VA office, I felt as though I had met a friend, family member, pastor at a church, etc. This is because you see honesty and integrity when you look at Kristi. She is friendly, respectful, professional, and generally a great attorney to work with. In a realistic society, someone with an atrocious credit report is not someone that you would expect many people to accord respect. Kristi makes you feel respected and important. She makes you feel like you can recover from your financial mess. She does exactly that by ferociously going after the big companies that took advantage of your financial woes to make money and push you deeper into credit problems. She settles cases out of court but she also wins cases in court, if need be. If you are in a situation like that, or you know someone who is, please call Kristi Kelly yesterday!”

Consumer Credit Client

I received efficient and supportive service. Ultimately, I highly recommend this law office.

“I am extremely pleased with the representation I received from Kelly Guzzo, PLC. I was forced to search for legal help as a result of inaccurate information on my credit report. I was fortunate to be put in contact with Andrew Guzzo, Esq. and Kristi Kelly, Esq. I received efficient and supportive service. Ultimately, I highly recommend this law office.”

Katie

They were able to help me when no one else could fix my credit report.

“I highly recommend Kristi and Andrew if you have any problems with your credit report. They were able to help me when no one else could fix my credit report. For most of my life, I have struggled to obtain credit because my credit reports were mixed with my brothers, who has a similar name. Kristi and Andrew were knowledgeable about this issue and helped me fix my credit report. Kristi and Andrew litigated my case in Federal Court against the credit bureaus and the companies that reported the wrong items on my credit report. They fought hard for my rights. They kept me informed each step of the way. I am very pleased with the outcome and recommend Kristi and Andrew to anyone with a credit reporting problem. They are the best.”

Mohammed

It was a very unusual situation and the referral to her was the best choice.

“We would highly recommend her, because Ms. Kelly helped us in such a hard time with our mortgage. It was a very unusual situation and the referral to her was the best choice. Her knowledge and hard work helped us to settle this issue in our favor. Previous lawyers could not help us, because they did not know what to do in our case. We are very thankful for all she has done, because it completely changed our life to the good again. Thank you very much Ms. Kelly.”

Angela

She goes above and beyond to get the job done I have and will continue to refer her to anyone searching for a great attorney.

“I was lucky enough to find Kristi Kelly at a very difficult time in my life. She represented me in a mortgage loan modification gone bad law suit and I couldn’t have asked for a better outcome. She was professional, knowledgeable, and trustworthy. She goes above and beyond to get the job done I have and will continue to refer her to anyone searching for a great attorney.”

Carrie

Best Lawyers Ever!!

“Ms. Kelly is so passionate and such a caring individual. She completely sympathized with my story and took on my case. Not only did she tell me what she was going to do but she followed through with it. I recommend her highly to anyone who is in need of her assistance. It’s great to know that there are still lawyers in the world with integrity and compassion. Thank you for all that you and your team did for me!!!”

Mica

If you’re looking for a trustworthy, intelligent, dedicated, and professional law firm, then look no further. 

“Kristi and her team go above and beyond. Not only did they succeed in correcting my credit, they also achieved amazing settlement results with all three credit reporting agencies. 
I’m so grateful for their expertise and compassion. If you’re looking for a trustworthy, intelligent, dedicated, and professional law firm, then look no further. I couldn’t have done this without Kristi and will forever recommend her to my family and friends!”

Ashley

[Kristi Kelly] was responsive, communicative, and obviously highly effective. 

“If Dwight Eisenhower, Douglas MacArthur, and Omar Bradley were all five star generals, then Kristi Kelly is a six star attorney. My parents sold their home five years ago, and their lender’s clerical error led to a title issue that tanked their credit score. As they tried to resolve the issue themselves in the weeks following closing, the lender was bought by another company. The resulting transition issues meant that seemingly no one at the new company had info on my parents’ dilemma or was empowered to correct it. We hired an attorney to resolve the issue. The attorney made an honest attempt to, calling several people at the new lender and sending letters. However, she made no progress. Four years went by, and the buyer’s title insurance agent eventually sued my parents. At this point, I suggested we switch to Ms. Kelly given her credit reporting expertise. Ms. Kelly had a direct relationship with the lender’s counsel. She picked up the phone, made one or two calls, and made the problems disappear. All my parents had to do was sign a settlement agreement and it was done: now their credit is restored, and they can finally obtain a mortgage for their dream retirement home. I strongly recommend Ms. Kelly. She was responsive, communicative, and obviously highly effective.”

Ryan

Couldn’t be happier with the outcome 

“Was referred to Kristi through a local lawyer and let me tell you I couldn’t be happier with the outcome from using her to handle my case. She was EXTREMELY helpful start to finish and ensured me that I would be OK in the end and happy with the outcome. Never once did i have to question her about the case. Again, hands down the best choice as I will never look else ware.”

Adam

Kristi and her team were excellent in getting my student loan debt collection overturned.

“Kristi and her team were excellent in getting my student loan debt collection overturned. They were thoughtful, a pleasure to work with, skilled, and they fought on my behalf to win the case. They are a top notched law firm.”

Sandy

[Kristi] and her team resolved my case to my satisfaction and with a result that far exceeded my expectations.

“I contacted Kristi Kelly when I was denied housing because of false information in my credit file. She and her team resolved my case to my satisfaction and with a result that far exceeded my expectations. I was impressed by her firm’s professionalism and responsiveness when I had questions or concerns about my case.”

James

[Kristi] was known to opposing counsel and the judge and respected by them, and I think that made all the difference in the negotiations.

“Kristi Kelly agreed to take my consumer credit reporting case which was dragging on for many months and looked to be headed for trial. Within a week of attaching her name to the case, the parties had agreed to a settlement. She was known to opposing counsel and the judge and respected by them, and I think that made all the difference in the negotiations. Highly recommend.”

Anonymous

Kristi gave me back financial stability and took an unbelievable amount of stress out of my life.

“Kristi and company helped me with numerous predatory loans etc that I had. When my wife became disabled and couldn’t work, to survive we borrowed from some internet loan companies that were extremely high interest etc. These companies operated illegally in Virginia and Kristi helped me get rid of these loans and straighten out my credit etc. Basically Kristi gave me back financial stability and took an unbelievable amount of stress out of my life. She is so easy to talk to and compassionate but goes after these companies and gets results! I’m so blessed to have found Kristi to help me out. She’s the best and I highly recommend her and her law firm.”

Mark

The outcome was better than expected and allowed me to see a lot of light at the end of the tunnel. 

“I knew I found a highly reliable, well respected, and compassionate law firm before I even talked to Kristie. My first initial contact was with her office and speaking with her team. I remember thinking if Kristie is anything like her team then I knew I would be in good hands. Some on here have said how compassionate, understanding, and how knowledgeable she is, and I can tell you that’s exactly what you’ll find at Kelly Guzzo law firm. Kristie was so easy to talk to and after talking for a short while it feels more like your talking to a friend whose there to help. I loved the fact of how compassionate and understanding she was to my situation. She explained things out step by step in detail and I learned a lot from her in a short time. The outcome was better than expected and allowed me to see a lot of light at the end of the tunnel. I cant thank them enough for all their help and support. I highly recommend her law firm for anyone in need of their services because they are simply the best.”

George

A tremendous help.

“Kristi and her team has been a tremendous help with getting my credit report fixed. It was a mess! My sisters’ information was mixed with mine which prevented me from purchasing a house. It only took a year to get if fixed and settled with the credit bureaus.”

Anonymous 

They are the most professional proficient Law firm I have ever experienced.  

“It all started when on my journey looking for my first home to purchase when I came across a stumbling block! One of the 3 bureaus had placed an incorrect judgement on my credit. I was searching for a place for almost a year and kept running across the same issue, landlords were telling me I had a previous rental judgement on my credit that was conflicting me of further pursuing a home. I finally got fed up of the denials and dug a little deeper. I then went on an attorney search where I found the perfect lawyer! Mrs. Kristi Kelly and the Kelly Guzzo firm. Mrs. Kelly and her team were very friendly, eager, and determined to go to battle in my case for me. Keeping me up to date on everything that was going on and contacting me if anything differed was nothing but a gain of trust built with this law firm. Expecting the settled amount I do nothing but thank and applaud her for everything, Now me and my three sons will be able to pursue the home I’ve always wanted my sons and family to have!! Not to mention Mrs. Kelly got the job done fast. Through this experience with Mrs. Kelly I will always have her and the Kelly Guzzo law firm as my first choice of representation in such matter. They are the most professional proficient Law firm I have ever experienced. Again my family thanks you Mrs. Kristi Kelly YOU ARE THE BEST!!!!”

Micheal

[Kristi’s] knowledge and hard work helped us to settle this issue in our favor.

“We would highly recommend her, because Ms. Kelly helped us in such a hard time with our mortgage. It was a very unusual situation and the referral to her was the best choice. Her knowledge and hard work helped us to settle this issue in our favor. Previous lawyers could not help us, because they did not know what to do in our case. We are very thankful for all she has done, because it completely changed our life to the good again. Thank you very much Ms. Kelly.”

Angela

Kristi really does care about her clients and is extremely knowledgeable. 

“I could not have asked for a better outcome. Kristi really does care about her clients and is extremely knowledgeable. Every step of the way she kept me well informed. I cannot thank her enough for every thing she has done.”

Anonymous

[Andrew’s] results have far, far exceeded my initial expectations

“I am not a big fan of these national credit reporting agencies (CRAs), holding sensitive financial information on each of us, making millions of dollars each year by selling that info to others. It would be okay if they were diligent in keeping our personal data accurate, but as millions of people have discovered, they do not and will often ignore valid requests from individuals for correction. And incorrect info on our reports mean the inability to obtain better interest rates costing us more money, not qualifying for a home purchase and in some cases, causing us to lose a great job opportunity.

I’ve spent years trying to correct inaccurate information on my credit reports with limited success, primarily because these credit reporting agencies have no financial incentive, either positive or negative, to help consumers. However, a good friend of mine pointed out that the value of engaging a solid attorney with a thorough understanding of the Fair Credit Reporting Act (FCRA) and other related credit matters is invaluable, as it helps cut through all of the B.S. so the CRAs take your claim seriously and immediately.

I found Andrew who practices here locally in Hawaii thru this website. After speaking to him, his breathe of knowledge of credit law and willingness to explore issues I felt were important to me made it easy to engage him and his company. Suffice to say, his results have far, far exceeded my initial expectations (big mahalo/thank you Andrew!!). Great communication with timely responses, a willingness to go out of his way to patiently explain things in plain language when I was confused with things and backed up by an equally friendly and efficient staff that made this whole experience a pleasure to be part of. Andrew is licensed in both the state of Virginia as well as Hawaii. If you’re lucky enough to live in either state, I highly recommend you contact him. Definitely someone I would recommend to my closest friends, relatives and the people I care about.”

Ghary

I am very pleased with the outcome and recommend Andrew to anyone with a credit reporting problem.

“Making a long story short. I highly recommend Andrew if you have any problems with your credit report. He was able to assist me in getting information removed from my report that did not belong to me. For about 8 years, I have struggled to obtain credit because my credit reports were mixed with my sister, who has a similar name. Andrew was knowledgeable about this issue and helped me fix my credit report. Andrew litigated my case in federal court against Experian and Equifax and fought hard for my rights. I am very pleased with the outcome and recommend Andrew to anyone with a credit reporting problem.”

Shakeena

I would recommend [Andrew] to anyone who’s have issues like mine and need it fixed

“I live in Texas and my identity was stolen by a CPA who did my taxes while I was living in Va. I posted my question to AVVO and they had me look up attorney’s in the area where it took place. I contacted Andrew and he just asked me to send him information on where I was during the time this took place and stated he would handle it. He always kept me in the loop of things and made it perfectly clear that he would do everything in his power to fix the issue. Whenever he asked me to send documents I did, and he’d let me know the status of the claim and what was going on. I appreciate everything he did for me and all of this was done while I live in Texas, I’ve never met him in person, but he is a life saver. He got my case resolved and had letters typed up for me to send to the credit reporting agencies once it was resolved to remove it from my credit report. He even went so far as to go after the credit reporting agencies who didn’t remove it from my credit report. He did a great job, I appreciate him and his staff and everyone who was involved in solving my issue, I would recommend him to anyone who’s have issues like mine and need it fixed.”

Roderick

A great lawyer, great work, honest and straightforward, he made everything easy, well worth the cost.

“Andrew helped me on a particularly difficult complex employment background check case over the course of a year, the outcome was better than I expected. A great lawyer, great work, honest and straightforward, he made everything easy, well worth the cost.

Really pleased with the outcome of the case, Throughout the case Andrew clearly explained my options, what would be the best course of action and what to expect. Everything was communicated in a straightforward manner. Cost of the case were as stated and very reasonable. I had my doubts about the case, but Andrew was skillfully able to settle/mediate everything.

I would definitely recommend Andrew, really a great lawyer, someone you should have on your side if you’re looking for something stress free, easy and looking for a positive resolution. Well worth the price and money well spent.”

Kirk

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National Association of Consumer Advocates
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