{"id":355,"date":"2020-02-19T15:57:42","date_gmt":"2020-02-19T15:57:42","guid":{"rendered":"http:\/\/www.consumerslaw.com\/blog\/?p=355"},"modified":"2020-07-22T17:04:08","modified_gmt":"2020-07-22T17:04:08","slug":"what-is-a-consumer-law-attorney","status":"publish","type":"post","link":"https:\/\/www.consumerslaw.com\/blog\/what-is-a-consumer-law-attorney\/","title":{"rendered":"How can a Credit Report Lawyer help me?"},"content":{"rendered":"

\"Mistake<\/p>\n

Credit report errors happen more often than most of us would like to think. The Consumer Financial Protection Bureau has listed credit report errors as one of the top complaints filed.\u00a0 Believe it or not, one out of every 20 of us have errors on one of our three major credit reports.<\/p>\n

These errors can harm our credit scores, making it difficult to secure credit for car loans or credit cards, \u00a0be hired for a job or approved for an apartment lease.\u00a0 And correcting these mistakes can take months, and in some cases, years.<\/p>\n

This is where a credit report lawyer can help. Read on to find out how consulting with an experienced credit report lawyer can help evaluate errors on your report and determine whether you may have a lawsuit to bring against the credit bureau, or furnisher, for improperly reported credit information.\u00a0 The Fair Credit Reporting Act protects a consumer\u2019s rights by promoting the accuracy, fairness and privacy of information in the files of consumer reporting agencies.<\/p>\n

5 Steps to Address your Credit Report Problems<\/h2>\n

\"CreditStep 1: Obtain current credit reports<\/h2>\n

A credit report lawyer will want you to provide current copies of your credit reports from the three main credit reporting agencies \u2013 Transunion, Experian and Equifax.\u00a0 The reports may be obtained by writing to each credit bureau for a copy, or visit: \u00a0annualcreditreport.com<\/strong>.\u00a0 Every twelve months, you are entitled to a free copy of your report from these bureaus.\u00a0\u00a0 Be sure to obtain a report from each bureau as information on one report may or may not appear on another.\u00a0 You need to see how an account is listed on each report.<\/p>\n

\"ManStep 2: Gather documents that illustrate the error<\/h2>\n

You and the credit report lawyer will review the reports for accuracy.\u00a0 If there is an incorrect listing, you will be asked to gather documents, such as account statements, correspondence, cancelled checks, and proof of payment, that show why the listing is an error.\u00a0 For example, if your report shows that you still owe a particular creditor but you had satisfied the obligation, you would need to gather your proof of payment and then prepare a dispute letter.<\/p>\n

\"CreditStep 3: Send a written dispute to the Credit Bureau and\/or Credit Furnisher<\/h2>\n

Disputes to the credit bureau must be in writing.\u00a0 It is important to clearly identify the problem, provide supporting documents that show why a listing is incorrect, and request a specific action for the credit bureau to take.\u00a0 Mail your letter to the credit bureau by Certified Mail Return Receipt so that you have proof of the date it was received.\u00a0 The bureaus have 30 days to respond to your dispute. If the credit bureau does not correct the listing, you may need to send a second, or possibly a third, written dispute. \u00a0Be sure to keep copies of all dispute correspondence.<\/p>\n

Step 4: Maintain a Good Paper Trail<\/h2>\n

Addressing errors on your credit reports takes time.\u00a0 You must keep your files organized with copies of all dispute correspondence, supporting documents, and credit reports.\u00a0 If the errors are not corrected, your credit report lawyer will need to review your documents and evaluate whether your legal rights have been violated under the Fair Credit Reporting Act.<\/p>\n

\"AttorneysStep 5: Get Help from an Experienced Credit Report Law Firm<\/h2>\n

Flitter Milz, P.C. is a nationally recognized consumer protection law firm experienced in working with consumers to resolve legal issues related to credit reporting privacy and accuracy. If you\u2019ve been battling the credit bureaus to correct errors on your report but haven\u2019t gotten anywhere, contact us<\/u><\/strong> for a no cost consultation.\u00a0 We will fight for your rights and accurate credit reports.<\/p>\n","protected":false},"excerpt":{"rendered":"

Credit report errors happen more often than most of us would like to think. The Consumer Financial Protection Bureau has listed credit report errors as one of the top complaints filed.\u00a0 Believe it or not, one out of every 20 of us have errors on one of our three major credit reports.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[6,3],"tags":[39,38],"_links":{"self":[{"href":"https:\/\/www.consumerslaw.com\/blog\/wp-json\/wp\/v2\/posts\/355"}],"collection":[{"href":"https:\/\/www.consumerslaw.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.consumerslaw.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.consumerslaw.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.consumerslaw.com\/blog\/wp-json\/wp\/v2\/comments?post=355"}],"version-history":[{"count":8,"href":"https:\/\/www.consumerslaw.com\/blog\/wp-json\/wp\/v2\/posts\/355\/revisions"}],"predecessor-version":[{"id":2126,"href":"https:\/\/www.consumerslaw.com\/blog\/wp-json\/wp\/v2\/posts\/355\/revisions\/2126"}],"wp:attachment":[{"href":"https:\/\/www.consumerslaw.com\/blog\/wp-json\/wp\/v2\/media?parent=355"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.consumerslaw.com\/blog\/wp-json\/wp\/v2\/categories?post=355"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.consumerslaw.com\/blog\/wp-json\/wp\/v2\/tags?post=355"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}