Credit report attorneys are well-versed in the Fair Credit Reporting Act and are skilled at protecting consumer rights. They help consumers dispute inaccurate information on their credit report, ensuring that it is properly investigated and corrected. They can also file a lawsuit to recover damages on behalf of consumers.
There are numerous errors that can appear on a credit report, including inaccurate bankruptcies, civil judgments, foreclosures, evictions, collections, and debts. These errors can have serious consequences, such as being denied employment or a loan, or missing out on a mortgage or home purchase. A good credit report lawyer will fight for your rights to be able to have these errors corrected and will work to get you compensation for the damage done.
Understanding Your Rights: A Legal Perspective on Credit Reports
Generally, you can start by disputing the error in writing with the CRA or data furnisher who has wrong information on your report. It is always a good idea to send your disputes by certified mail with the return receipt requested. This way you have proof that the company received your letter and it can be held accountable for the delay if the disputed item is not removed in a timely manner.
When it comes to working with a credit report attorney, you want someone who is knowledgeable in the law and has a track record of success. Before you hire any attorney, it is a good idea to vet them thoroughly and to read reviews of their previous cases online. You can also contact your state bar for information on any disciplinary actions against the lawyer.