We understand that your creditworthiness is one of the most important issues governing your day to day life. A false negative trade line on your credit report could be life-changing and can have long-lasting financial implications. Since credit reporting agencies are allowed to make billions of dollars from the sale of your credit-related information, we want to make sure that we at least hold them accountable to their legal obligations. The Fair Credit Reporting Act (FCRA) was created to protect consumers like you from inaccurate reporting and invasion of your privacy. The FCRA not only regulates the credit reporting agencies but also the parties that provide information to them.
Some common FCRA violations:
- Credit report inaccuracies: The information on your credit report MUST be accurate. If you find inaccurate information on your credit report please call us immediately for further consultation.
- Identity theft: If you are a victim of Identity Theft and have previously reported the theft but continue to find inaccurate information on your credit report please call us immediately for further consultation.
- Mixed File Case: In many instances, a credit reporting agency mixes your file with that belonging to someone else with similar background information. If you feel like you are a victim of such a mistake please call us immediately for further consultation.
- Post-bankruptcy collections: Reporting agencies are prohibited from reporting debts that have been previously discharged through bankruptcy. If you have included a debt in your bankruptcy but the account is not being reported accurately on your credit report please call us immediately for further consultation.
- Privacy violations: There are limits as to which entities the reporting agencies are allowed to release your information or can request your information. If you find that your credit report was sold to or furnished to a company or creditor who should not be entitled to your personal information please call us immediately for further consultation.