FCRA Attorneys: What They Do And When To Call

Are you having trouble buying a car, landing a dream job, or taking out a mortgage?

Credit report errors may be holding you back. An inaccurate credit report can destroy your life goals and even subject you to harassment by debt collectors. With about 34% of Americans having at least one error on their credit report, you need to ensure these errors don’t put a hold on your life. But correcting credit report disputes can be overwhelming.

This is where FCRA attorneys come in. They can go over your credit report, discuss possible errors, and come up with practical solutions to fix the credit errors. Here’s a guide to help you understand credit reporting errors and how FCRA lawyers can offer fair credit report act protections.

When to Call FCRA Attorneys

If there are any mistakes on your credit report impacting your life, you should dispute the errors with each Credit Reporting Agency — Equifax, Experian, and TransUnion —to identify the error. In case the credit report errors continue after proper disputes, you should contact a qualified FCRA lawyer to offer legal counsel. Here are some credit report mistakes a lawyer can help you solve:

Identity Theft

Has someone stolen your social security number or other personal information and used it to get credit?

If you notice any false credit card accounts coming up on your credit report, you may be a victim of identity theft. The identity thief may be a debt collector or financial institution looking to hold you responsible for their debt. In such a case you should get in touch with FCRA attorneys as soon as possible.

They’ll help you fill out an identity theft affidavit and document your crime with local law enforcement. With their help, you can kick start the process of cleaning up your credit by freezing it to ensure the theft does not continue.

Mixed Files

From the names on your credit report to your accounts and addresses, your credit report information is private. No one else should share them. But issues of common names may lead to mixed file errors.

Unfortunately, mixed file errors aren’t isolated incidents and affect almost 2 million consumers nationwide. And applying for and getting a new credit report is virtually impossible. This is why you need FCRA lawyers to start the process of solving improper mixing of your credit file as you notice the error.

Improper Reporting on Paid Debt

After paying off any of your debt, including credit card debt and overdue mortgages, your credit card shouldn’t show you in default. If it does, creditors and collectors may continue to pressure you to make payments you’ve already cleared. What’s more, it can negatively affect your credit score.

When you find improper reporting on your paid debt, your consumer can help you fix your credit report, giving you a better score.

Unacceptable Access to Your Credit Report

When you file for bankruptcy and receive a discharge of your debts, or settle your debts, there will be a termination of any credit relationship with your creditors or debt collectors. With an end in the relationship, there is no longer a permissible reason for them to access your credit report. But when they do, it’s an invasion of your privacy.

You should check your credit report and the people that access it. In case creditors or debt collectors are accessing your credit, yet you don’t have any existing relationship with them, FCRA lawyers can help you sue them for damages.

Furnishing and Reporting Old or Inaccurate Information

When your credit circumstances change, your credit report should be updated. Otherwise, old and incorrect information violates the FCRA and can affect your chances of making significant financial milestones.

If credit bureaus and creditors fail to provide current credit information on your report, you have a right to sue them with the help of an FCRA lawyer.

Withholding Notices

The fair credit report act protections require that you get notices that inform you of your legal obligations. Whether a creditor fails to notify you about the supply of negative credit information, right to dispute, or the ability to obtain a free credit report, you can hire an FCRA attorney to help you file a lawsuit.

What Can FCRA Lawyers Do to Fight for Your Rights

Just like any type of lawyer, an FCRA lawyer can help you enforce your rights. They are quite important in the following circumstances:

Help You File a Lawsuit

When you’re FCRA rights are violated, you may need to sue the responsible parties. Although filing a lawsuit may be the right step to take, it can be challenging if you do it by yourself. You can hire FCRA attorneys to help you hold credit reporting agencies accountable for violating your rights.

It’ll also allow you to remove harmful information from your credit report so you have a better chance of attaining your goals. For help from a qualified FCRA attorney, click here.

Help You Put a Security Freeze on Your Credit Report

After filing a lawsuit, lawyers can help you place a security freeze on your credit report account. This way nothing on your credit report gets approved without your consent until the issue is resolved. The only problem is that it’ll delay or interfere with application approvals for mortgages, credit, loans, and more.

Help You Get Compensation for Damages from FCRA Violations

In case you face any FCRA violations, you are entitled to monetary compensation for actual and statutory damages. You can also get compensation for punitive damages as well as attorney fees. Our FCRA lawyers will help you win your lawsuit and get the justice and compensation you deserve.

You need to seek their assistance within two years after you notice the credit report errors or in five years after the errors occur. This will give you a better chance of getting justice and recovery fees.

Consult Certified FCRA Attorneys

For better chances of getting the right compensation and clearing your credit report errors, hire solid and aggressive FCRA attorneys to represent you. They can help you enforce your consumer rights. To learn more about business and law, read more of our blog posts.