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Credit Repair Lawyers

Credit reports are often full of dangerous inaccuracies that could damage your reputation and life, and filing a dispute is sometimes the only option. By law, you are entitled to request that any incorrect information is amended or removed, yet creditors often refuse to do so, forcing you to file a lawsuit.

If your credit report is full of errors and damaging inaccuracies, call our dispute lawyers today. We will help you clear your report from any mistake, put your creditors’ back to the wall and collect a fair and just compensation. 

Don’t delay: all our consultations are free and without obligation.

Why is it important to dispute an incorrect credit report?

When the information contained in your credit report is outdated, incomplete or just erroneous, your entire life could be affected. You may incur into severe financial losses, find difficulties in qualifying for work, or even get your mortgage, loans, insurance or credit card requests refused. 

While more than half of all credit reports contain some kind of mistake, the Federal Trade Commission (FTC) found that one reports in five had some major error. With over 26% of them being so serious to deny an application for housing, credit or employment, ever year more than 43,000 consumers file a complaint to the Consumer Financial Protection Bureau. Most of the reports still remain incorrect even after a dispute is filed. However, the FTC also found that a much larger percentage of these errors get fixed when the litigation is filed by a lawyer. 

What are the most common credit report errors?

Some of the most frequent mistakes you can find in your credit report include:

  • Incorrect credit information, including accounts are listed as open even if you closed them, late or missed payments, tax and judgment liens that you have paid correctly, false account statements such as being stated as a cosigner, delinquent account that is seven years or more old, etc.
  • Incorrect inquiry information such as unauthorized accesses to your private information.
  • Incomplete or incorrect personal information such as name, marital status, address, current or past employment.
  • Non-existent criminal records on the background check report such as sexual assault, arrests, felony, and various misdemeanors.
  • Incorrect public record information such as bankruptcies that you filed more than ten years ago or just never filed at all, or lawsuits that you were not involved in.

How our attorneys will protect your rights

To protect your rights, the U.S. Government established a federal law known as the Fair Credit Reporting Act (FCRA). This statute requires companies to adhere to strict guidelines whenever they collect and use consumer information, or share it to third parties such as financial institutes, credit card dealers, auto finance companies, collection agencies, or mortgage lenders. All the three major largest consumer credit reporting agencies (CRAs) in the USA (Experian, Transunion and Equifax) must comply with the FCRA to ensure that all the information included in your credit reports is accurate.

Under the FCRA, you have several rights that you can enforce whenever you want to fix or dispute your credit report. Every time a company violates the rights established by the FCRA, you can sue them to receive a fair and just compensation.

Our lawyers will assist you whenever you need to:

  • Request a copy of your credit report

You can request one copy of your credit report per year at no cost. If you want, you can order a report from each one of the three companies. You are also eligible to request a copy if a company has taken adverse action against you. You can order a report from all three companies if you choose.

  • File a Dispute Letter

If you believe some of the information in your credit report, you should notify the CRA with a written letter and include a clear identification of each item disputed. Our attorneys will help you write and file this letter so it won’t be rejected by the agency.

  • Dispute the Investigation

All CRAs  must investigate all disputes within 30 days of receipt and then the results forwarded to you so you can review them. If you do not agree with their investigation results, you can dispute them until your report is updated with the correct information.

  • Deal with the Post-Investigation Phase

If after the investigation, any changes have been made to your credit report , the CRA must send notification of all those corrections to anyone who received a copy of your credit report in the last six months, or two years if a copy of the report was sent for employment purposes. Our attorneys will ensure that every step of this process is correctly finalized.

Our Legal Team is here for you

Our team of lawyers is here to assist you with any and all legal issue you may face during your court battles. We fought tirelessly to protect the rights of countless American citizens, and we never turned down even the most difficult case.

Our vast and versatile experience in all areas of debt settlement law allow us to know exactly how to address a jury, collect the right evidence and ultimately build a successful case. Let us help you build your case against step by step in any Florida court and win.

If you’re from Vero Beach, St. Petersburg, or any other regions in Florida, we’re the first and most famous law firm commended by Super Lawyers that you should call. 

If you need to be relieved by the burden of debt, call us today at (877) 310-0453, or file a form. Our attorneys are here to grant you victory. 

Discuss Your Options Today

Fill out the form below or give our firm a call today at (727) 800-4498 to speak to a professional who can review your case.