Are you struggling with errors on your credit report? Has a lender or debt collector made erroneous claims about his you pay your bills and honor your financial obligations? Is a bankruptcy, charge off, judgment or foreclosure showing up on your credit report that never occurred? Are these misrepresentations causing problems for you in obtaining or sustaining good credit? If you have a credit report dispute, then you may have rights we can help you exercise under the Fair Credit Reporting Act (FCRA) to ensure that your credit is reported fully and accurately.
Today, the most essential part of a person’s public record is their credit history. Across every key area of life, credit has become the primary driver of the American dream. If you want to rent an apartment, own a house, buy a car, qualify for a good job, get insurance, obtain higher education or start a small business, then good credit is the key that unlocks these doors to security, prosperity and growth.
As fair and impartial as financial institutions purport the credit system to be, the fact is that mistakes in credit reporting occur at alarming rates. These mistakes leave affected consumers exposed to long-term financial problems that can limit life’s possibilities and closes them off from their shot at the American dream.
In recognition of the growing power that lending institutions have over every citizen’s ability to participate in the American economy, Congress enacted the Fair Credit Reporting Act. The FCRA ensures that credit reporting is accurate and that private information remains confidential.
There are three major credit reporting agencies – Equifax, Trans Union and Experian – which maintain credit reports on every American who has a credit history. CRA’s generate the credit reports that lenders use to determine if they are willing to make credit available.
The use of consumer credit has grown exponentially. The expansion of credit has had many positive effects, providing opportunities in education, housing, small business growth and the promotion of consumer choice and power for millions of Americans. However, along with these benefits have come many credit reporting errors.
If you are struggling with correcting errors in your credit report, we can help you investigate your case to determine what happened, who is at fault, and what can be done to fully correct the error.