How We Can Help
Under the Fair Credit Reporting Act (FCRA), credit reporting companies are required to fix errors that are disputed. The Fair Credit Report Act also provides avenues to fold credit reporting companies accountable for failing to respond to credit report disputes within a 30 day timeframe. To qualify, you must:
- File a dispute with each of the credit bureaus containing inaccurate information
- Wait 30 days for a response from each of the credit bureaus
- If you don't recive a respone or your request is denied, file a claim here and we'll take care of the rest
The Fair Credit Reporting Act provides a mechanism for these inaccurate credit report entries to not only be removed, but for the person who suffered to receive compensation once you have completed the above steps.
Click Here for Dispute Information
How Inaccurate Credit Reports Cost You Money
There are numerous ways in which inaccurate credit report entries can impact your life, from being denied a credit card, car or home loan to paying tens of thousands of dollars in higher interest rates; from embarassment to losing a dream house, inaccurate credit reports should never last more than a few months. That's why the Fair Credit Reporting Act provides consumers with recourse for both removing inaccurate credit report entries to receiving compensation when they are not removed when correctly disputed.
File your Fair Credit Reporting Act Claim
We provide simple steps, even if you haven't already filed a dispute with the credit bureaus.
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AttorneyFrequently Asked Questions
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What is the Fair Credit Reporting Act (FCRA), and how does it protect consumers?
The Fair Credit Reporting Act (FCRA) is a federal law enacted to promote accuracy, fairness, and privacy of information in consumer credit reports. Under the FCRA, consumers have the right to dispute inaccurate information on their credit reports, and credit reporting agencies are required to investigate these disputes within a reasonable timeframe. If the information cannot be verified as accurate, it must be corrected or removed. Additionally, the FCRA provides consumers with the right to sue credit reporting agencies for violations, seeking damages for financial harm caused by inaccurate reporting.
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What types of errors can occur on a credit report?
Credit report errors can manifest in various forms, including:
- Incorrect personal information (e.g., name, address, Social Security number)
- Accounts inaccurately reported as late, delinquent, or in collections
- Duplicate accounts or entries
- Accounts erroneously attributed to you due to identity theft or fraud
- Inaccurate credit inquiries
- Closed accounts reported as open
- Erroneous public records (e.g., bankruptcies, liens, judgments)
- Mixed files, where information belonging to another consumer appears on your report
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How can I take control of credit report errors and seek legal recourse?
If you believe you have been harmed by credit report errors, it's essential to take proactive steps to address the issue and protect your rights. Start by documenting the errors, including gathering any supporting documentation that corroborates your claims. Next, file a dispute directly with the credit reporting agencies reporting the inaccuracies. Be sure to keep records of all communications.
If the credit reporting agencies fail to correct the errors or investigate your disputes in a timely manner, or if you've suffered financial harm due to the inaccuracies, it may be time to seek legal assistance. A law firm specializing in credit error dispute lawsuits can provide invaluable guidance and representation throughout the process, including filing a lawsuit under the Fair Credit Reporting Act to pursue damages for the harm caused by the errors.
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What does it cost to file a Fair Credit Reporting Act lawsuit?
We offer contingency representation in all Fair Credit Reporting Act claims for credit report errors, meaning there are never any legal fees unless we win compensation in your case. To access your free, no-obligation consultation, use the online chat feature or contact form on this site. One of our lawyers handling Fair Credit Reporting Act lawsuit claims will contact you to answer any of your questions.
Contact Us
Location:
110 E. Lockwood Ave., St. Louis, MO 63119
Email:
info@faircreditreportingacthelp.com
Call:
+1 314 963 9000