increase credit scores by correcting inaccurate credit reporting

Atlanta Credit Report Attorney - FCRA Lawyer - Inaccurate Credit Reports


  • Helps You Get Credit Report Mistakes Removed
  • Get Your Good Credit Scores Back
  • Make them Correct Inaccurate Reporting

The Fair Credit Reporting Act


Under the Fair Credit Reporting Act, you can bring a lawsuit against creditors and the credit bureaus like Equifax, Trans Union and Experian for actual damages. No upfront legal fees with our credit report lawyer.

Find Error on Your Report

1. Find the error or inaccuracy.

Dispute with Credit Agencies

2. Dispute with credit agencies.

It's Fixed or Potential Claim

3. If it's not fixed, you will need to bring a claim or they will likely NEVER fix it.

CREDIT REPORT RIGHTS ATTORNEYS

Click the button to fill out your contact information to schedule a private, confidential call.

No Fees Unless You Get a Recovery

Credit Repair Attorneys For Actual Errors

Credit Report Attorney McClelland

  • Member of the Georgia and New York Bar
  • 18 years experience
  • Recognized by the National Institute of Trial Advocacy
  • Member of multiple federal courts

Is Something INACCURATE On Your Credit Report?

We help you get ERRORS off your credit report

AFTER the credit agencies won't listen.

Credit Report Errors Can Cost You:

  • High insurance rates
  • High interest rates on home loans, car loans, and credit cards
  • Losing of promotion or a job or other wage related issues
  • Denial of a Home Mortgage Loan or Rental Application
  • Denial you more credit or other credit limit increases

 Attorney For False Credit Reporting 

If you have mailed in disputes to the credit reporting agencies about errors on your credit report, but the errors are still there, then you may have a claim against the creditors or collection companies and credit reporting agencies for any damages you have suffered. 



As an Atlanta credit report attorney, I can make them correct any errors, compensate you for your economic and emotional damages, and make them pay all legal fees under the Fair Credit Reporting Act (FCRA). We do not charge clients with credit report issues unless we are able to obtain a recovery.

Fair Credit Reporting Act Attorney

FCRA attorneys or Fair Credit Reporting Act lawyers can help you negotiate and resolve a claim against the credit agencies for not correcting known errors that are effecting your credit scores after you mailing in your disputes.


Understanding consumer law and the Fair Credit Reporting Act are the keys to removing actual inaccuracies. We fight for the removal of errors and the payment of damages.


Most times we can provide damages without litigation in federal court. Speak with an Atlanta FCRA Attorney.

credit report attorney


Most Common Credit Reporting Errors Seen by FCRA Lawyers

  1. Not Your Account - This is when you review your credit report and see a bill that is not yours. If you have an account on your credit report that does not belong to you, then this error must be addressed using the FCRA. 
  2. Identity Theft Account - This when you have an account that you didn't authorize on your report. Identity theft is a growing problem and must be addressed properly. As noted, you should include a police report or identity theft affidavit for best results.
  3. Mixed Credit File/Merged Credit Report - This is when the credit reporting agencies merge your file and another person's file. These situations are nearly impossible to correct without a credit attorney. These cases are important to bring to a credit attorney for review.
  4. Too Old Accounts - Closed accounts can only stay on your report for 7 years after the first date of delinquency. It is important to carefully review the date any debt collector puts as this date. Many times they will change the date to the date they purchased the debt.
  5. Inaccurate Information - This is when there is an error on your credit report that is a result of a business or collection company reporting something this is false to the credit reporting agencies. Many times such errors include incorrect balances, mortgage servicing abuse, missed payments, and other inaccuracies.

Credit Attorney Against the Credit Bureaus

If the information is not fixed after you dispute it in writing, you may be entitled to sue for compensation under the FCRA law and make them correct your credit report.


Disputes are king in the land of the FCRA. If you don't dispute to the credit bureaus, then you may not have a case under the Fair Credit Reporting Act.


Dispute Equifax with our templates, if you have not already.


If your credit report is not corrected after a dispute to the bureaus, consumers can sue for a corrected credit report, as well as for compensation, including damages for financial harm and emotional suffering.


Plus, you will have the trade line or account removed. The law also gives consumers who are hurt by intentional wrongdoing punitive damages.


Speak with an Atlanta FCRA Attorney. Call us today for a quick consultation at (770) 775-0938.

Attorney for Identity Theft Victims

The Fair Credit Reporting Act is complex, so hire a credit attorney that has experience in these cases with inaccurate credit reporting such as errors and identity theft.


If you've been a victim of identity theft, as you know, the bad accounts can hurt your credit scores. These accounts can be the result of typographical errors or as a result of identity theft.


For more information on what to do after identity theft for victims, see our page on identity theft attorneys for victims, especially if you feel someone has used your identity. We handle these types of cases.


Have a consumer protection law firm on your side when going against the credit reporting agencies or credit card companies. 


Call us today for a quick consultation at (770) 775-0938.

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Mixed Credit & Merged Credit Report Attorney

Unfortunately, many people notice accounts that are not theirs on their credit reports. Some may think it is identity theft, but it is not.


It is a merged credit report or mixed credit report. These are extremely damaging to you and 100% preventable by Equifax, Trans Union, and Experian.


These cases are valuable credit reporting cases because the credit agencies are completely responsible for what is happening to you.


Here is an article about what to do if you have another person's accounts on your credit report. This is called a mixed or merged credit report. Read more about what a mixed credit report attorney.


Speak with an FCRA Attorney or Fair Credit Reporting Act lawyer about this immediately. When you need a mixed file attorney, think of us.

How to Use the Fair Credit Reporting Act:

1.  Send in a dispute to the credit bureaus (Equifax, Trans Union and Experian).

2. Send them a copy of everything you have that shows you are right. 

3. Wait 30 days until they respond.

4. If not corrected, contact our office.

 

Fair Credit Reporting Act (FCRA) Attorney Tips  

  • Send your dispute letters by certified mail with return receipt to each credit reporting agency.
  • Don't do your FCRA disputes online or try to do so with an email. Your FCRA case will be stronger by having proof of what you've done. All FCRA attorneys will be pleased for you to have proof of receipt.  Even though Equifax is right here in Atlanta, Georgia, many times they claim to have never received your disputes. They have 30 days to respond.
  • If you have an account as a result of identity theft, you will want to include a police report and identity affidavit with your dispute for best results in an FCRA action, although not necessary under the Fair Credit Reporting Act.
  • Always check the collection section of your credit report for unknown accounts/trade lines.
  • If you are getting calls from a business or collector, you really want to see our page on Atlanta TCPA attorneys.

Common Questions about the Fair Credit Reporting Act

Can I sue a creditor for false reporting? 

​Yes, you can sue a creditor for false reporting if it meets the requirements under the FCRA. Under the Fair Credit Reporting Act or FCRA, you must first dispute this information to the credit reporting agencies prior to filing suit.


Although there are other requirements, this is the most important requirement to meet before filing a lawsuit for false credit reporting.


What is the 7-year credit rule? 

This question relates to the amount of time that an account can remain on your credit report after the first date of delinquency. For all accounts that were not included in a chapter 7, an account must be removed from a consumers credit report after 7 years from the date of first delinquency.


Is it true that after 7 years your credit is clear? 

Following up on the last question, after 7 years from the date and the first reported delinquency, your credit should be clear from this derogatory account because of the limitations under the FCRA.


Can you hire a lawyer to fix your credit? 

If you have an actual error on your credit report and it is causing you damages, then you can hire credit report lawyer. If you are trying to get an account that you know is correct off of your credit report, then a credit lawyer is the wrong decision.


What is the penalty for violating the Fair Credit Reporting Act? 

There is a penalty phone the violation it goes to the consumer. This is based upon the amount of actual damages that the consumer has experienced such as denial of credit, lost job or emotional distress


Additionally, if it can be determined that the Creditor or credit reporting agency acted willfully, then the consumer is entitled to a minimum of $1,000 and the potential for punitive damages. In the state of Georgia and in most States, punitive damages are not capped under the FCRA.


What Is An FCRA Claim or Lawsuit?

A Fair Credit Report Act claim or FCRA claim a credit reporting lawyer generally starts with your credit report being inaccurate or incomplete. This is a claim against the credit bureaus for damaging your credit after you notified them of their mistakes.  


The credit bureaus have a legal responsibility under the FCRA to take make sure the reports they issue are correct and accurate. This is why you must notify the credit bureaus when your credit report is inaccurate.


The credit bureaus will request an update from the furnisher - the creditor that is "furnishing" the information to the credit reporting agencies, about the trade line or account on credit reports. 


If creditors say the information is correct when it's actually inaccurate AND the credit agencies don't suppress the account information, you may have a claim for damages.


You may need an FCRA attorney to help you navigate the federal call called the Fair Credit Reporting Act. Call today for a private consultation and review of your credit report. Don't let this effect your employment and your credit.


What Is The Fair Credit Reporting Act?

How Much Do You Charge?

How Long Does  A Case Take With A Credit Report Attorney?

You Have A Limited Time To File A Claim

By failing to take legal action under the Fair Credit Reporting Act, consumers like you may lose your right to sue or bring litigation including because of the FCRA's statute of limitations which are deadlines.

If you have errors, or if you suspect you are the victim of identity theft, contact a lawyer with federal court experience for a free, private telephone evaluation. Speak with an Atlanta FCRA Attorney.


Call us today for a quick consultation at (770) 775-0938. We represent clients for all Georgia cities including Macon, Decatur, Savannah, Albany, Columbus, La Grange, Rome, Tucker, Marietta, Griffin, Covington, Conyers, Stone Mountain, Athens, Snellville, and more.

Schedule a Free Consultation

“Don't fall into the Fair Credit Reporting Act trap. Take the right steps. ”