No State Fair Credit Reporting Act in Alabama

Extra State Laws on Credit Reporting in Alabama? Nope 

The Fair Credit Reporting Act or (FCRA) is a federal law and requires creditors, also known as furnishers, and the crediting reporting agencies to do several things regarding the accuracy of the credit reports. For those who live in Alabama, you will rely on the federal law only. But, that's okay because the FCRA gives you great protections if you know where to look.

If anyone is credit reporting on you inaccurately, then you have rights. By following those rights, you can make these consumer laws work in your favor and file a lawsuit to correct the inaccuracies. 

Common FCRA Errors to Correct in Alabama

  • Information that is too old to be on your report (generally 7 years)
  • Information that is just wrong and inaccurate
  • Information that is not yours such as identity fraud
  • Information that is mixed or merged with another person's credit files.

Damages under the Alabama Fair Credit Reporting Act

The Alabama here does not exist. But, under the federal law, you are entitled to emotional distress damages, economic damages, costs, and attorney fees. They can't take that away from you.

Can You Sue under the Federal or Alabama Fair Credit Reporting Act?

Contact the law office of Joseph P. McClelland to see if we can help you right now.

Schedule a Free Consultation

Schedule a Free Consultation