Fair Credit Reporting Act in Oklahoma 

The Fair Credit Reporting Act in Oklahoma 


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.

If they credit report is actually wrong, then you can make these consumer laws work in your favor and file a lawsuit to correct the inaccuracies. If the info on your credit is correct (just not what you want), then these laws will not help in you.

Oklahoma House Bill 2492 provides that prior to requesting a consumer report for work, you be notified and must be given an option of a copy free of charge.   


Oklahoma really adds nothing with what they attempted to add with a security freeze on your credit file.  The statute provides how to place them and get them removed, and caps the credit agencies to charge $10 to freeze it. Pretty much useless because most of this is under the federal law.


Top Credit Report Errors in Oklahoma 

  • Too old to be on your report (generally 7 years)
  • Information that is false and inaccurate
  • Identity fraud accounts you find
  • Mixed or merged with another person's credit files.


Damages under the Oklahoma FCRA

Under the FCRA, you are entitled to emotional distress damages, economic damages, costs, and attorney fees.


Can You Sue Under the Federal or Oklahoma FCRA?

Contact the law office of Joseph P. McClelland to have a conversation about whether you have a case and the next steps for victory.

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See our information of the Fair Credit Reporting Act in these states: (We are still building out each state's page)
Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming


How much does a credit report attorney actually cost? In this brief article we're going to go over how much a credit reporting attorney costs and what is the difference between a credit reporting agency and a credit attorney. Before we begin Before we begin, let me introduce myself. I am Joseph McCleland. I am the founding attorney at the law firm of Joseph McClelland LLC. We are a consumer protection law firm located in metro Atlanta and specifically in the neighborhood of Decatur Georgia. I'm originally from the state of Georgia from a small town in Jackson, Georgia., let me introduce myself. I am Joseph McClellan. I am the founding attorney at the law firm of Josephine McClelland LLC.


We are a consumer protection Law Firm located in Metro Atlanta and specifically in the neighborhood of Decatur Georgia. I'm originally from the state of Georgia from us small town and Jackson, Georgia. I went to undergraduate school at the University of Georgia Southern during the 90s. After graduating from Georgia Southern, I went to Louisiana to attend Loyola Law School New Orleans School of Law when I graduated. After graduating Law School I spend a small amount of time practicing human rights law before entering the world of litigation. Several years later I would go on to start the beginning of what is now the law firm of Joseph McClelland LLC. Southern, I went to Louisiana to attend Loyola Law School New Orleans School of Law where are graduated. after graduating Law School I spent a small amount of time practicing human rights wall before entering the world of litigation.


Several years later I would go on to start the beginning I would has now the law firm I'm Joseph P. McClelland LLC. I'm a member of the National Association of consumer advocates. I have taken oath with this organization to not represent corporations over individuals. Now let's address the question of how much does a credit reporting attorney cost? The short answer is that it doesn't cost you anything out of pocket. The longer answer is that anytime there are expenses in the case those expenses must be paid out of the total settlement. In addition to that, there will be legal fees and contingent fees that will be taken out of the total settlement. What is remaining is the cash settlement amount to the client. Therefore, a credit reporting attorney does not cost anything. the short answer is that it doesn't cost you anything out of pocket. The longer answer is that anytime there are expenses in the case those expenses must be paid out of the total settlement. In addition to that, there will be legal fees and contingent for use that will be taken out of the total settlement. What is remaining is the cash settlement amount to the client. Therefore, a credit reporting attorney does not cost anything.

Schedule a Free Consultation