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When you apply for loans and credit, the potential creditor usually pulls a credit report is usually pulled from TransUnion, Experian, and Equifax. The report contains your personal information along information on how you have been handling your credit for the past 7 to 10 years. This information can legally be given to all potential lenders and creditors who want to see your credit history prior to lending.
While good credit creates better opportunities and buying choices, bad credit can be costly with higher interest rates. This results in potential creditors denying you loans, credit cards, and lower interest rates.
As a consumer, you have the right to know that your credit report has accurate and complete information. If your report is not accurate and complete, you have the right to dispute the creditors and credit reporting agencies for wrong, questionable entries, and information that is incorrect, deceptive, unfinished, or unconfirmed under the FCRA (Fair Credit Repair Act) and the FDCPA (Fair Debt Collection Practices Act).
How to Fix Credit Report Errors
- Contact us. We will review and analyze your credit report from the major credit bureaus: TransUnion, Experian and Equifax.
- Our office confirms that the information has been accurately updated.
- We will determine if you need to dispute an incorrect, deceptive, or unfinished credit entry.
- When credit bureaus receive disputes, they are required to investigate if whether the item should be listed on your credit report or accurately updated.
- A dispute has a chance of removing an item from the credit report.
- If your information is not properly reported after a dispute, you may have the right to file a lawsuit to correct your credit report. This may result in the item being deleted from your credit report and/or monetary damages of up to $1,000 per violation, along with your legal fees and costs being paid by the violator under the FCRA or FDCPA.
Common items removed from your credit reports are:
- Late Payments
- Charge Offs
Michael Tierney, P.A. can help you fix and repair your credit. We understand consumer protection laws and can help you exercise your legal rights to make your credit reports are complete and accurate. Our fees are typically paid from the creditors and credit bureaus per the FCRA-FDCPA . Contact us today for a FREE credit report analysis.
CREDIT REPORTING ERRORS
Orlando Lawyer providing professional Credit Reporting Errors Attorney Services in Orlando, Winter Park, Maitland, Longwood, and throughout the Central Florida Area.
HOW TO FILE A CREDIT REPORT DISPUTE
Under the Fair Credit Reporting Act (FCRA), the credit reporting agencies must reinvestigate information disputed by consumers. The credit bureaus are required to send your dispute to the data furnisher. Then, the company who supplied your information to the credit reporting agencies (the data furnisher) needs to investigate the dispute. You cannot sue the data furnisher under the FCRA until you have filed your dispute to the credit bureaus.
WHERE TO FILE YOUR WRITTEN CREDIT REPORT DISPUTES
Experian, P.O. Box 2002, Allen, TX 75013
Equifax Information Services LLC, P.O. Box 740256, Atlanta, GA 30374
TransUnion LLC, P.O. Box 2000, Chester, PA 19022
CSC TELECHECK SERVICES, INC, 211 E. 7th Street, Suite 620, Austin, TX 78701-3218 USA
Innovis, 1262 MILLS POINT CT, BATAVIA, OH 451030000
CHEX SYSTEMS, 601 Riverside Ave., Jacksonville, FL 32204
When there are errors posted against your credit it can often be a nightmare to correct. If credit reporting errors go unchecked, it may present difficulties in buying a home, car, or other items you typically seek financing for.
Banks, lending organizations, and financing companies may treat you very differently as a result of the credit reporting errors because to these companies, these errors are a factual representation of your credit and credit history.
Credit reporting errors may be the result of various factors. Some of the most common reasons for credit reporting errors include, but may not be limited to:
- Identity Theft – Information in the consumer’s file as a result of theft of identity;
- Mixed Files – Information in the consumer’s file that belongs to another consumer;
- Obsolete Information – Derogatory information older than 7 years;
- Public Records – Inaccurate judgment, lien or bankruptcy information.
It is Extremely Important that you Regularly Review your Credit Report.
The sooner you are able to detect errors on your credit report, the easier it may be to correct the deficiencies and errors. Your best option to effectively correct credit reporting errors is to seek the advice and representation of experienced legal counsel.
Your attorney can make a full review, analysis, develop plan of action to correct all credit reporting errors. Your attorney can represent your interests regarding credit reporting errors, allowing you to relax and have these issues handled professionally and effectively.