Credit Report Error Lawyers | FCRA Disputes
Your credit score largely determines your ability to apply for credit cards, loans, and insurance programs. It can also affect your ability to gain employment, as many employers will conduct credit screenings prior to hiring applicants. Any outdated or incorrect information within your credit report can negatively impact its score, and make life very expensive for you and your family. It’s time to take action by contacting our team of credit report error lawyers to help restore your credit!
Why is it crucial to correct credit report errors?
Credit Report Errors Can Cost You:
- Higher insurance premiums
- Higher interest rates
- Loss of promotion or a job
- Denial of a Home Mortgage Loan
- Denial of a Rental Application
- Denial of Credit
If you have tried to dispute mistakes and the credit reporting agency is not correcting them, it is time to get the help of the consumer protection credit report error lawyers at Shamis & Gentile, P.A.. You may be entitled to damages for the errors on your credit report. Fill out the form on this page for a free case evaluation.
Does federal law protect my credit report mistakes?
Federal laws offer protections that allow you to request a credit report and dispute any inaccuracies it may contain. Disputes can become complicated, however, and temporary poor credit can essentially put your life on pause, as some organizations may attempt to deny you housing, employment, or credit. This is a direct violation of your Fair Credit Reporting Act (FCRA) rights, and we can help you enforce them.
What is the Fair Credit Reporting Act?
The Fair Credit Reporting Act (FCRA) is a federal statute that protects consumers from any dishonest or immoral credit reporting agency. It promotes accurate reporting, the privacy of sensitive information, and also allows you to pursue compensation for any violations. You are offered the right to:
- Request your credit score
- Know what information is in your file
- Dispute any inaccurate or outdated information
- Know if your report is used against you
- Privacy—the access to your file is limited to the absolutely necessary
- Seek punitive damages for any violations
A 2003 addition to the FCRA allows you to request a credit report once a year from one of the three major credit agencies. While this has made credit reports more accessible to the public, it hasn’t changed the difficulty of removing inaccurate information from your report. Credit bureaus are notoriously difficult, but experienced credit report error lawyers can help you enforce your rights and pursue the full value of your damages.
How can I dispute my credit report mistakes?
According to a 2003 study, 1 in 5 credit reports contain inaccurate information. If you believe there are inaccuracies or any misinformation in your report, our credit report dispute attorneys are here to help.
First, you have to draft a dispute letter to send to the credit reporting agency. Our attorneys can make sure this letter contains all the necessary documentation, such as supporting evidence and an explicit request for the removal of the inaccurate information. The agency will either resolve the dispute and remove the information from your report, or deny it due to lack of validity. If you aren’t satisfied with the results of your dispute, our attorneys can advise you on your next best steps based on your situation.
Our Credit Report Error Lawyers Can Help Restore Your Credit
If you believe a credit agency, bank, or other financial institution has violated your rights, we understand and are here to help. Credit is sensitive, and you have a say in your report if there are any discrepancies. When you’re having difficulty removing inaccurate information from your report, Shamis & Gentile P.A. is here to make sure the financial institution does so. All you have to do is fill out a form on this page and our team of credit report error lawyers will provide a free case evaluation. Restore your credit today!