Our financial future depends largely on good credit in the United States.
When we don't have it to begin with, it is hard to get. The Fair Credit Reporting Act (FCRA) governs the credit reporting process.

If there is an inaccurate mark on your credit report it may be corrected simply by contacting the credit reporting agencies and disputing the item with a credit reporting dispute letter.

Once the company is put on notice of the error, they must correct it or provide you with verification. If they fail to correct the inaccuracy or fail to verify and you are subsequently denied credit, you have the right to sue under the FCRA.

In order to take action against either a credit reporting agency or a company that reported you, the following must have occurred:

Incorrect information appeared on your report.

The company was notified of the error.

Actual damages resulted. For detailed information click here.

Have any of these things happened to you? If so, your rights may have been violated:

Your credit report listed a bankruptcy report that was not yours and you had
    never filed.

"Charges offs," on credit reports for accounts that are not yours or have been paid     or settled accounts.

Late payment reports that are inaccurate.

Identity fraud- accounts that are not yours.

Company agreed to correct your credit report and failed to do so.

If your case is filed and there is a positive outcome you will receive compensation of up to 1,000 dollars as statutory damages, plus actual damages and attorney fees.

If you have had a similar experience to the cases above - contact us now for a free evaluation by one of our Attorneys.