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

Here's The Credit Reporting Act:

The Fair Credit Reporting Act

Under the Fair Credit Reporting Act, you can bring suit against creditors and the credit bureaus like Equifax, Trans Union and Experian for monetary damages and get free legal representation with a 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.


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

  • 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

Fair Credit Reporting Act Attorney Can Force Creditors And Credit Agencies That Are Falsely Reporting On Your Credit To Fix It 

Yes. You can sue the credit reporting agencies. You can sue the creditors or businesses that are furnishing the inaccuracies. That's what we do here at this law firm as a Fair Credit Reporting Act lawyer.

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.

  • Are the credit bureaus refusing to take inaccurate information off of your credit report?
  • Is this keeping you from getting the house, apartment, loan or job you deserve?
  • Have you disputed to the credit reporting agencies (CRAs)?

To use the Fair Credit Reporting Act, you must:

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.

If it is not fixed, then call us for a quick consultation at (770) 775-0938

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. 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, see our page on Atlanta lawyers fighting identity theft, 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.

credit report attorney

Most Common Credit Reporting Errors Seen by FCRA Lawyers

  • Not your account
  • Identity Theft
  • Mixed Credit File
  • Too Old 
  • Inaccurate Information
  • Showing Late Payments on Debts Included In Bankruptcy
  • Mortgage Servicing Abuse

Atlanta Credit Report Attorney Against the 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.

Mixed Credit Report Attorney - 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 some of the most valuable credit reporting cases because the credit agencies are completely responsible for what is happening to you. When you need a mixed file attorney, think of us and reach out.

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.
  • Here is a list of common credit report errors that you must identity and dispute or litigate.
  • Here is an article about what to do if you have another person's accounts on your credit report. This is called a mixed credit file. Speak with an Atlanta FCRA Attorney or Fair Credit Reporting Act lawyer.

Common Questions about the Fair Credit Reporting Act

What Is The Fair Credit Reporting Act?

What Is An FCRA Claim?

How Much Do You Charge?

How Long Does  A Case Take?

"a great lawyer"

“Wow, what a great lawyer to have on your side!! Mr. McClelland gets the job done in a timely and very professional manner!! I loved his energy and willingness to go that extra mile!! Great lawyer, Thanks for a job well done”

James C.

"attorney for life"

“I have found him very conscientious and extremely through throughout the gambit of legal venues he has been called upon to address for my family and I would highly recommend Mr. McClelland. As for me personally, he is my first choice, and will be my attorney for life!”
Charles K.

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.


#1: Have Credit Errors Deleted

We make sure all negative information is removed and will never return.

If it ever comes back, the court will force them to pay damages!

#2: FCRA Pays Damages 

The FCRA law requires them to hire you an attorney and pay them directly.

They must pay you any damages they have caused when they break the law.

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