Denied Home Loan Because of Identity Theft

Were you denied a home loan because of something on your credit that does not belong to you? First of all, that's terrible. I hope that it doesn't cost you to lose a particular home you wanted to get.


Now, if you want to move forward, you are going to want to consider using the Fair Credit Reporting Act as the way to do this. Removing identity theft from your credit report is simple for you to do and costly for them if they don't listen.

If you only have wrong information on one credit report, then you may want to read this post on why you may have a mixed file or combining two people together instead. If this is the case, you do not need to get a police report, and the importance and value of your case may increased dramatically.

If you have not already, consider going to get a police report at your local police station. For best results, include in the report the account number and name of the creditor that is not yours.

Send this police report to Equifax, Trans Union, and Experian.

Keep a record.

Under the credit reporting law, if you were damaged by the reporting, you can make them pay your damages. So, if you were denied a loan after you told them, then you can force them to compensate you for your damages of not getting the house, the embarrassment of being turned down, humiliation, and other distress if if relates to the credit reporting.

We understand at our Law Firm that credit reporting problems are the worst. They can keep you from the job you want and the credit you want. The law is on your side, but you may need to take certain steps. If you have already attempted to resolve this issue yourself by disputing the inaccuracies on your credit report, please contact our office today. If the incorrect information is still on your credit report after you have notified the proper people, you may be entitled to compensation under the law. We have experience helping clients fight against the broken Credit Reporting System. If you'd like to reach out please complete the contact form on this page or call me directly at 770-775-0938. Thank you.

Joseph McClelland

Joseph McClelland is a husband and trial lawyer. Graduate of Loyola University New Orleans School of Law. He currently practices Fair Credit Reporting Act, Telephone Consumer Act, and the Fair Debt Collection Practices Act litigation. Recent $237,000 consumer victory. Earned the designation of Advocate by the National Institute of Trial Advocacy.

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About the Author

Consumer Attorney that fights big businesses on your behalf. Started his career in international human rights before eventually finding his true calling in consumer protection law. He is a husband and trial lawyer. Most of his work involves credit reporting errors, robocalls, and identity theft. His law practice is in the Atlanta/Decatur area.