Representing Clients Nationwide
Credit reports are supposed to be a source of accurate, detailed information on your credit history. As a resource for creditors that may affect everything from credit approval to home buying, it is important to make sure the right information is being shared with those who request your credit history.
If you’ve checked your credit report recently and are concerned about negative events that are hurting your score, an experienced lawyer can help you contact the businesses involved, as well as the credit reporting agencies, to correct the errors and restore your score. At Chávez Law Group, we dedicate a fair amount of our time and resources to helping clients resolve fair credit reporting issues and improve the outlook for their financial future.
The Fair Credit Reporting Act
Under the federal law known as the Fair Credit Reporting Act (FCRA), individuals who have been affected by negative, incorrect credit information can seek a legal resolution for the harmful effects on their life. The credit bureaus or those who report credit information to credit bureaus may be the subject of a lawsuit if they are responsible for the false reporting and unwilling to cooperate.
An attorney may be able to help you seek a remedy under FCRA if any of the following situations apply to you:
- There is false information on your credit report.
- There are new accounts listed on your report that you never opened.
- Accounts that you closed are still listed as open with balances due.
- Activity shows up on your report that you never performed.
- There are any indicators of identity fraud.
- Unapproved credit checks took place.
- The credit data listed is actually another person’s.
- Amounts owed to credit card companies and other lenders are incorrect.
Hiring a Credit Report Lawyer
Our credit report lawyers can take steps to remedy the errors and improve your credit report by notifying the proper parties to ensure your report accurately reflects your history. When credit disputes arise, we will do a comprehensive investigation to obtain proof that you are being unfairly affected by information that has been wrongfully reported. We can also investigate signs of identity theft and take steps to protect you, including canceling open accounts, notifying credit bureaus, and filing a criminal complaint with law enforcement. If necessary, we can proceed with litigation against credit reporting agencies that refuse to make the changes to your credit report.
If you need assistance sorting out your credit history matters and restoring your good credit, let Chávez Law Group help you get back on track. Please contact us today for a free credit report consultation.