INACCURATE CREDIT REPORTS

It can be frustrating to deal with erroneous credit reports. An inaccurate credit report can ruin your financial and mental health. The good news is that consumers have rights under the Fair Credit Reporting Act (“FCRA”) that help ensure credit reporting agencies report accurate information and creditors appropriately reinvestigate disputes. If you are having problems with an inaccurate credit report, you should speak to an attorney who is experienced with the FCRA.  We routinely represent clients who are having trouble getting their credit reports corrected.  Whether your balance information is incorrect or you have been the victim of identity theft or loan fraud, you have rights under the Fair Credit Reporting Act.  To get a free copy of your credit report, use THIS FORM.

THE DISPUTE PROCESS

You should dispute all inaccurate or incomplete information reporting on your credit report in writing. Your dispute letter does not need to include any special legal language. You simply have to tell the credit reporting agency (“CRA”) what is incomplete or inaccurate; why it is incomplete or inaccurate; and what you want the CRA to do about it. Always enclose any documentation that supports your dispute. Send your dispute and any supporting documentation by certified mail. Your credit report should have the mailing address of the CRA where you need to send your dispute. You should always keep copies of your dispute and supporting documents for your records.

I MADE A DISPUTE, BUT IT CAME BACK VERIFIED

If you have attempted to have a credit reporting agency remove inaccurate information off of your credit report, but they have refused, please contact us today.