Fair Credit Reporting Act in Florida 

Florida has a law about security freezes on a consumer report (501.005). These issues are not a big deal because you can already do this under existing law. The law seems useless.

VERDICT: WEAK

Florida also has Section 626.9741 which applies to the use of credit reports and scores by insurers and says that car insurance companies and homeowners insurance companies can't make decisions based on your credit score.

VERDICT: INTERESTING

If your credit report is actually wrong, then you can make these consumer laws work in your favor and file a lawsuit to correct the inaccuracies.

Common FCRA Errors to Correct in Florida 

• Accounts older than 7 years (10 if Chapter 7 bankruptcy)
• Information that is false 
• Identity fraud accounts not authorized
• Mixed or merged with another person's credit files.

Damages under the Florida Fair Credit Reporting Act

The Florida law does not add any additional penalties for violating this law unlike other states. But, under the federal law, you are entitled to emotional distress damages, economic damages, costs, and attorney fees.

Do You Have a Claim under the Federal or Florida Fair Credit Reporting Act?

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