Credit Report Dispute
Any errors on your credit report can affect your ability to secure a loan or job. This is because whoever is in charge of approving your application looks at your credit report and checks your credit history. If you have incorrect information on your credit report, such as a late payment that doesn’t belong to you or a false criminal record, it might cause your loan or job application to be denied. This is why consumers are encouraged to check their credit reports from time to time to make sure it is accurate and to dispute any errors.
However, even when you dispute errors on your credit report with the credit bureaus, the errors might not always be corrected. It can get frustrating to take the time to send a dispute letter to the credit reporting agencies only to have nothing happen at the end of their 30-day investigation period.
The Fair Credit Reporting Act (FCRA) requires companies that collect, use, and share consumer information to do so properly. Not removing the inaccurate information on your credit report is a violation of federal law, and you can sue the credit bureau for any damages that you incurred because of the error.
Our job as credit dispute attorneys is to help consumers when this situation occurs. We will handle the complex legal work involved in the lawsuit process to get you compensated for each violation of the FCRA. Call us today for a free consultation and get started on getting your credit report errors fixed!