DEBT RELIEF LAW CENTER
Attorney N. James Turner Can Help
Stop The Harassment!
We investigate, dispute, and fix errors, paving the way for a better credit score.
Fixing Credit Report Errors: Inaccurate credit report information can mean higher interest rates, credit rejection, and may even impact hiring and housing decisions. A 2012 Federal Trade Commission (FTC) report discovered that about one in four Americans found at least one potentially significant error on at least one of their credit reports. While credit report errors aren't uncommon, what's most important is that you have a right to dispute the inaccurate information.
We will investigate your credit report error and make sure that the error is corrected. We willl dispute the item, insisting that the information furnisher produces evidence substantiating the error or removes the item.
We are routinely in contact with credit bureaus, creditors, and debt collection agencies to ensure that credit reports become and remain accurate.
Suing for Credit Report Problems: The Fair Credit Reporting Act was designed to ensure that consumer credit reports are accurate. Debt collectors and creditors often report inaccurate information, don’t investigate disputes, or don’t report when a debt has been paid.
We look for violations and will take information furnishers to court, potentially recovering up to $1,000 in damages.
Here are some important steps to consider when filing a dispute.
Step 1: Learn how to spot an error and what it could mean.
What is an error?
Simply put, an error is information on your credit report that shouldn't be there. This could be because it isn't yours, it's incorrectly reported or it's against the law to be listed. Common credit report errors can include:
A late payment that's more than seven years old
Having a credit card or loan account listed that doesn't belong to you (or that you're not a co-signer or an authorized user on)
An account was closed by you, but it's listed as closed by the provider
Derogatory Mark Errors
A paid-off collections account is still showing as unpaid
A paid tax lien that is more than seven years past the date of payment
An account that was discharged in bankruptcy is still showing up as active with a balance (account history can still be reported)
Personal Information Errors
Wrong name listed
Addresses you've never lived at or used as a mailing address
Inaccurate employer information
If your credit report is missing information, that doesn't necessarily mean there's an error because your information doesn't necessarily have to be reported to all of the credit bureaus or the latest changes to your credit haven't been reflected in your report yet due to normal processing times.
What effect can an error have?
Account-related and derogatory mark errors could affect your credit score, which could then affect whether you'll qualify for a financial product such as a credit card or loan and what terms you can get. Personal information errors typically don't affect your credit score, but they could alert you to a reporting issue -- or even fraud.
STARTED SINCE 1990
Orlando Consumer Rights Lawyer - providing aggressive and affordable professional services to consumers who have been victims of debt collection harassment by debt collectors and Credit Repair, to residents in Orlando, Kissimmee, and throughout the Central Florida Area.