Protecting Your Rights Under The Fair Credit Reporting Act
When purchasing a car, taking out a loan, or applying for a job or an apartment, your credit history will come under scrutiny by lenders, insurance companies and others. An accurate credit score is important to attaining approval and building your purchasing power. However, when credit reporting agencies or other parties produce inaccurate reports or illegally disclose your information, you may be left sitting with a denial of your application.
At Waddell Law Firm LLC, we represent the interests of consumers throughout who have suffered the inconvenience and embarrassment of inaccurate or misleading credit reporting.
A Local Attorney Pursuing Justice For Consumers
Under the Fair Credit Reporting Act (FCRA), consumers have specific privacy rights and are entitled to fair and accurate credit reporting. As a consumer, it’s important for you to ensure the information the credit reporting agency has is correct and up to date. When you notice an error, you are responsible for reporting the discrepancy. As a firm focusing on consumer protection law, we help clients assert these rights and pursue compensation when the creditors and/or credit bureau refuses to remove or revise inaccurate information.
A few common credit reporting issues and errors include:
- A report showing various accounts that don’t belong to you
- Credit errors that resulted from identity theft
- A report showing closed accounts that should have been written off your report
- Inaccurate information pertaining to bankruptcies, court judgments or tax liens
- Incorrect personal information, e.g., address, occupation, name, age, Social Security number, etc.
The FCRA provides numerous protections: the right to view the contents of your file, the right to request your score, the right to dispute inaccuracies, and the right to opt out of unsolicited offers of insurance or credit.
We will sit down with you during a free consultation to review the circumstance surrounding your situation, explain credit reporting laws and help you take action to have errors or omissions corrected.