Having a mixed file may cause you to suffer embarrassment and damage to your credibility and reputation when a person pulls your credit report and sees negative account information that is not yours.
To make matters worse, it may be almost impossible to correct without filing a lawsuit with a credit report attorney.
Mixed credit report attorneys, like our firm, gets reports separated for good and forces the credit agencies to compensate you under the law.
Along those lines, getting denied the loan for what you want in life will create anxiety and negative feelings because you're not getting what you want and what you deserve based upon your real credit score is not your credit scores that have been affected by I mixed file error this caused by the credit bureaus.
Additionally, sometimes emotional stress can manifest itself physically into certain types of ailments.
If you or a loved one are in this situation, we can help you resolve these issues with the credit agencies and creditors. He has experienced fighting the credit agencies such as Equifax, Trans Union, and Experian.
He can be reached for a private consultation at 770-775-0938 to discuss what to you should do if you have a mixed credit report and to represent you as your merged credit reporting lawyer.
We do not charge consumers any money for our mixed credit report services unless we were able to recover a financial award for them against the credit bureaus and or creditors.
I will give you this information, but be aware that most likely this will not work. The problem is deeper then you can solve with a dispute letter.
However, and this is extremely important, you must dispute the information before you have a solid legal claim.
Once you have a solid legal claim, fixing or removing the other person's trade lines or accounts from your credit report will be extremely easy.
The reason why is because the credit reporting agency will individually review your file to fix it.
Effectively, they are stopping the machine and pulling out your information and fixing your mixed credit report manually.
That is a process that cannot happen without a Fair Credit Reporting attorney involved to get them to stop mixing your file with another person.
The takeaway here, is that you should be prepared for your mixed file credit report dispute to not work the first time.
Therefore, you want to make sure that you create as much tangible evidence that you attempted to situation under the law.
What that means for you is that you want to make a copy for yourself of the dispute letter so that you can prove exactly but you disputed and which account you disputed.
You also want to send your dispute letter certified mail with a return receipt so that you have proof that they received it.
Many times they will claim to have never received your dispute letter and that will put you at a disadvantage when you should have complete leverage.
If you have already taking the time and disputed this information with the credit agencies and or creditor, and please contact my office so that we can enforce your rights and make the credit agencies remove the mixed credit file from your credit report.
If Equifax has mixed up your credit file, we can help you make Equifax correct your report. Our law firm has experience litigating against Equifax in federal court. If you think Equifax created a mixed file or put another's information on your file, contact us immediately.
This merging or mixing of credit reports happens quite often. It happens on Trans Union credit reports, Experian reports, and Equifax reports.
These cases should only be handled by a qualified FCRA attorney because of its importance to you. Are you interested in a quick consultation to see how we can help you correct the issue and obtain damages on your behalf, click here?
Seeing multiple names on your credit report may be sign of something larger such as having a merged or mixed credit report. Very slight variations in your name are less problematic. However, a name that is not yours is another issue.
Contact us to discuss your legal recourse for them merging you and another person's accounts. Many times the bureaus will include family members such as dad's, son's, and cousin's info.
For example: You apply for a credit card and get denied. The denial states the reasons and that reason is that you have been marked as having a ton of negative accounts on your credit report. Do you think you get that loan? You will not get that loan until the merged file is fixed.
Get a consultation to see how we can help you correct the issue and obtain damages on your behalf by clicking here.
We help with Equifax mixed files, credit report merged with someone else, multiple names on credit report, free online credit report, mixed credit report lawsuit, all 3 credit reports, someone else's name on my credit report, credit bureau issues and more.
Contact our office to see if we are a good fit. If we are, we will have you sign or e-sign documents for us to get your file and start the representation. We also help clients that are victims of identity theft.
Call our office to get started now suing for damages for the credit reporting agencies mixing up your credit report.
Yes. Another person can get your credit report if you have given them the authorization to do so. This is referred to as a permissible purpose under the Fair Credit Reporting Act.
You must notify credit reporting agencies of the inaccuracy. It is best to do so in writing rather than online second you may want to also notify the provider or furnisher of the information of the dispute, although this is not required under the Fair Credit Reporting Act.
Having another person's address on your credit report may be a sign that your credit file has been mixed, combined, or merged with another person's credit file.
If you see an address that you do not recognize, you should review the rest of your credit report very thoroughly to see if you have any additional accounts or inquiries that you do not recognize.
If you do, you should seek legal representation immediately.
COMMON QUESTIONS ABOUT MIXED CREDIT REPORTS
Although anything can happen in the future, we will make sure that the credit reporting agencies have properly coded your file so that your credit report and the other person's credit report are never mixed up again. Contact us to see how we can assist.
Absolutely. Our law firm can file a suit for damages under the Fair Credit Reporting Act and help you recover the damages that you were entitled to under the law. Just reach out to us and we can explain your next steps to get the merged credit files corrected.
Although each Credit Reporting Agency will have different timelines, most of them will work diligently after filing of the lawsuit to try to decipher where the error occurred and how to correct it.
Yes. My office can represent you in multiple States and we can work with local attorneys across the country to assist you. Our fees are the same in all circumstances.
You should immediately act. Not only do you still have a claim under the FCRA, you don't want to be at the mercy of a stranger. You have no idea when that person may stop paying the bill and it will ruin your credit at a potentially terrible time in your life.
Contact a mixed credit report attorney today.
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