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.
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No Fees Unless You Get a Recovery
We help you get ERRORS off your credit report
AFTER the credit agencies won't listen.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
Credit report errors are very common now days. However, there is a law called the Fair Credit Reporting Act (FCRA) which helps protect consumers like you and me. If your credit report has mistakes, it is important to dispute them as soon as possible to stop them from doing any more damage to your credit scores. Call an Atlanta FCRA attorney or consumer protection law firm for proper assistance.
Credit report errors can wreak havoc on your credit score. When your credit score goes down, it could be costing you money. You need an Atlanta credit report lawyer with court experience on your side.
Hire me as your Atlanta credit report attorney so I can help you with understanding the FCRA and how to use it against the credit reporting agencies and companies hurting your credit. Call our office now for immediate assistance.
Fair Debt Collection Practices Act or FDCPA is another weapon for Georgia consumers. Under the Fair Debt Collection Practices Act or FDCPA, you will also be owed your legal fees paid by them instead of you.
Furnishers are required to conduct a reasonable investigation into the dispute, and then report the findings to the credit reporting agencies within 30 days. The CRAs and furnishers ruin many credit reports every year in violation of the fair credit reporting act. The FCRA applies to home loans, auto loans, credit cards, medical bills, student loans, background, and public records.
The credit reporting agencies are required to keep accurate credit files. 15 U.S.C. § 1681i(a)
When a consumer disputes information with a credit reporting agency, the agency must “conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate.” 15 U.S.C. § 1681i(a)(1)(A).
The FCRA requires CRAs and entities that furnish information to CRAs (“furnishers” or “furnishers of information”) to investigate disputed information.
The furnisher of information must: (1) “conduct an investigation with respect to the disputed information”; (2) “review all relevant information provided by the consumer reporting agency” in connection with the dispute; and (3) “report the results of the investigation to the credit reporting agency.” Id. § 1681s-2(b)(1)(A)–(C).
We charge a percentage of what we recovery for you. You never come out of pocket to pay us.
Usually, these cases last just a few months to over a year depending on hundreds of factors. We work to resolve the case as fast as possible depending on what is best for you.
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.
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“Don't fall into the Fair Credit Reporting Act trap. Take the right steps. ”