Call For FREE Legal Advice: (818) 697-4295
Our network of credit report dispute lawyers can help you to dispute credit report errors and fix your credit score. Under federal laws, you can file a lawsuit against credit report agencies when they do not fix your credit or background check errors.
FCRA Lawyers Can Provide Legal Help to Fix Errors on Credit Report
When to Call a Credit Report Dispute Lawyer
You should talk to a credit dispute lawyer when you see errors on your credit report or background check report such as:
- Inaccurate personal information such as your name, address, employment information, etc.
- Incorrect credit information such as late payments that you paid on time, closed accounts that are listed as open, a delinquent account that is seven or more years old, and etc.
- Incorrect public records such as lawsuits you were not involved in, bankruptcies you did not file, and etc.
- Wrong inquiry information such as a purchase you did not authorize
- Incorrect criminal records on the background check report that show your statuses such as felony, sexual assault, misdemeanors, and arrests.
The Process of Disputing Errors on Credit Report
You can fix your credit report errors by writing a dispute letter or filing a lawsuit. This is the process to dispute credit score errors:
- How to Get a Copy of Your Credit Report
You can get a free annual copy of your credit report by sending a written request to Experian, Equifax, or Transunion, or online at AnnualCreditReport.com.
- How to Write a Credit Report Dispute Letter
If you do find an error on your credit report, you should call a lawyer and get advice for writing a valid dispute letter to your credit reporting agency to get it corrected. The key to writing a good dispute letter is to highlight the credit report errors that you want to dispute with your credit reporting agency. Remember to include all documents to support your claims.
- When to File a Lawsuit Against Your Credit Reporting Agency
If your credit reporting agency doesn’t properly respond to your letter within 30 days, you can hire a lawyer that practices in credit report disputes to file a lawsuit to correct credit report errors under the Fair Credit Reporting Act.
Get Free Legal Help Fixing Credit Report Errors Today!
If you have a credit report errors or need help to fix your credit score, we can connect you to lawyers for credit dispute for immediate help. Disputing errors on your credit report can help increase your credit score immediately! Call (818) 697-4295 – The Consultation is FREE!
Frequently Asked Questions:
What are some common errors made on credit reports?
- Inaccurate personal information such as your name, address, employment information, etc.
- Incorrect credit information such as late payments that you paid on time, closed accounts that are listed as open, a delinquent account that is seven or more years old, and etc.
- Incorrect public records such as lawsuits you were not involved in, bankruptcies you did not file, and etc.
- Wrong inquiry information such as a purchase you did not authorize
- Incorrect criminal records on the background check report that show your statuses such as felony, sexual assault, misdemeanors, and arrests.
- First, check your credit report to highlight errors that you find.
- Then write a credit report dispute letter of those error including documents to support your claim.
- Your credit reporting agency has 30 days upon receiving your letter to investigate and correct any errors made on your credit report.
- If your dispute letter is not answered within 30 days you can move forward with a legal claim.
If your credit reporting agency refuses to fix the errors you mentioned in your credit dispute letter for more than 30 days, you can file a lawsuit against them to have the errors corrected. You should contact a lawyer to help you file a lawsuit against them.
When can I file a Lawsuit against my Credit Reporting Agency?
You can file a lawsuit against your credit reporting agency if they ignore your dispute letter or refuse to fix errors on your credit report within 30 days of receiving your dispute letter.
Fixing errors on your credit report can increase your credit score. When errors appear on your credit report, your credit score will remain lower and may make it more difficult for you to get a credit card or loan approved, or result in a denial of housing or a job application.
You can get your free annual credit report by sending a written request to the three national credit report agencies, Experian, TransUnion, and Equifax, or you can request a free credit report online at AnnualCreditReport.com.
The FCRA is a federal law that encourages credit reporting agencies of accuracy, fairness, and privacy of consumer information found in their credit reports. If a credit reporting agency fails to follow this rule, consumers are able to file a lawsuit against them.
Credit reporting agencies make a mistake on consumers’ credit report about 20-80% of the time. This is why it is important to check your credit report at least once a year.