DO YOU HAVE A CLAIM AGAINST THE CREDIT AGENCIES?
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CAN YOU SUE THE CREDIT AGENCIES?
CALL US: (770) 775-0938
Until you dispute an error on your credit report to the Equifax and the other agencies, the law is not fully on your side. BUT... If your dispute fails, you may be entitled to force them to correct the problem, pay your attorney and you damages under the Fair Credit Reporting Act.
Find the error or inaccuracy. It must be wrong or misleading.
Dispute with credit agencies such as Equifax, Experian, and Trans Union. A template is included in this article below.
If they don't fix it, then you may be entitled to damages and can bring a lawsuit in many circumstances.
That's basically when they're saying that you've missed some payments, and you didn't miss the payments. It happens a lot, and it can crush your score. Tip: Follow the instructions in this book but don’t include the police report but DO include any proof you may have. Remember to send it to everyone.
This happens a lot, and this is obviously when you've paid off an account but for some reason, it's still showing a balance that you owe. Again, follow the instructions in this book but don’t include the police report but DO include any proof you may have. Remember to send it to everyone including Equifax and the creditor during the dispute.
Seven years is correct if it's a normal account, and ten years if it's like a judgment or a court issue, like bankruptcy. That is improper. You will want to mail a basic dispute letter explaining the issue and send it to the credit bureaus including Equifax, Experian and Trans Union and the business/creditor.
4. Accounts that are not yours and identity theft. They're both accounts that are not yours. This is the topic of the book and is covered in other chapters. For more information on hiring an identity theft attorney in Atlanta.
5. Accounts that are not yours and identity theft. They're both accounts that are not yours. This is the topic of the book and is covered in other chapters. For more information on hiring an identity theft attorney in Atlanta.
Equifax Information Services LLC.
P.O. Box 740256.
Atlanta, GA 30374
[YOUR FULL NAME]
[YOUR FULL ADDRESS]
[DATE OF BIRTH]
[LAST 4 OF SOCIAL]
I looked at my report and this [NAME OF ACCOUNT] account with a balance of approximately $[BALANCE], and account number [ACCOUNT NUMBER] is not accurate.
OPTION #2 [USE THIS FOR ALREADY PAID OFF ACCOUNTS:] I already paid off this account and do not owe any money on it. Please take it off of my credit report immediately.]
OPTION #3 [USE THIS FOR ACCOUNTS AFTER BANKRUPTCY WITH A BALANCE:] I filed for bankruptcy. This account should show a zero balance. Please correct this information immediately.]
OPTION #4 [USE THIS FOR MISSED PAYMENTS WHEN ACTUALLY MADE:] I made all of my payments on this account and was not late as they report. Please correct this information immediately.] [INCLUDE ANY CLEARED CHECKS OR INFORMATION YOU HAVE TO SHOW YOU ARE CORRECT FOR BEST RESULTS]
OPTION #5 [USE THIS FOR MISSED PAYMENTS WHEN ACTUALLY NOT ALLOWED TO BE MADE: I tried to make all of my payments on this account but they would not accept them. Please correct this information immediately.] [INCLUDE ANY CLEARED CHECKS OR INFORMATION YOU HAVE TO SHOW YOU ARE CORRECT FOR BEST RESULTS]
Please send all of this to the furnisher of this incorrect account. Have a nice day.
Copy of driver’s license
The report must be inaccurate, incomplete or misleading. This is the first step to winning a dispute with Equifax and/or the other credit reporting agencies if the same error is on those reports. It must be incomplete or misleading.
Problem: I see many people fight information that they know is correct thinking it will be removed. It will not. Worse yet, I see people paying "credit repair companies" to dispute correct information. What a waste of money! Businesses only remove information they find to be incorrect where they can be sued. Period.
This is the second step to disputing Equifax. What you say is here important!
Best Practices: Write down what is going on and what is incorrect. Spell it out in your own words. Just remember to tell the complete story so that whoever reads it will know exactly what you know. Include any bills, checks, documents, or other evidence that helps you. Include other people or places for them to ask or look that helps you prove you are correct.
Problem: Most people only dispute to the business or creditor that provides the information to Equifax. This is a mistake. You should dispute to Equifax if they are reporting wrong info on you.
Problem: Many people try to dispute online. This is a huge mistake. The best way to dispute Equifax is to do it in writing and send it certified return receipt.
This is the third step is to mail the dispute to Equifax. Online disputes to Equifax make it harder for you to bring a case in the future. You don't want that. It's not that online disputes can't work, but these types of disputes are not ideal.
Problem: If they don't fix the errors, you will need proof that you sent the dispute to Equifax. You don't always get that with online disputes to Equifax. Your attorney will also be for willing to bring your case if you have proof of the Equifax dispute.
Problem: You don't get to provide all THE DETAILS YOU MUST INCLUDE to be successful. This requires you to write one or two or 100 sentences to fully describe what you are disputing.
Solution: Just describe exactly what is wrong in your dispute to Equifax and the other credit bureaus, if needed. Then, describe why it is wrong. Plus, show Equifax the documents that you may have. Give them your phone number to call you, as well.
Many online disputes with Equifax or written disputes will fail and will require an attorney to force Equifax to correct errors. That is what we do here. In just a few minutes on the phone, we can explain your rights and your next steps.
Let's see if we are a good fit.
or email firstname.lastname@example.org
If you have already disputed to Equifax and/or the other credit bureaus but nothing changed, let's chat. What happens the first time will likely repeat itself over and over again. I would like to see what issue you are having and what their response was. If you have a claim, I will discuss your next steps and all of your options.
Confirm that your credit report has actual errors.
Confirm that you have already disputed the information.
Complete the form or call 770-775-0938 for a free, no obligation phone consultation.