Fair Credit Reporting Act (FCRA) & Credit Dispute Issues

The Fair Credit Reporting Act (FCRA) codified as 15 U.S.C 1681 was designed to regulate what information can be listed on your credit report.  This information is referred to as a tradeline.  We can help you dispute inaccurate tradelines with the credit bureaus (TransUnion, Experian, and Equifax).  This all starts with a dispute letter and evidence to prove that the tradeline is inaccurate.  If the credit bureaus refuse to remove the inaccurate information, you may be entitled to damages, costs, and attorney fees.

Generally, we do not do the initial dispute as it is not cost effective for you to hire us for that service.  Rather, all it takes is a free dispute letter, a little bit of time, and some postage.

Credit Furnisher Liability under FACTA & FCRA

Creditors themselves reporting information they know to be inaccurate may be liable under the FCRA and FACTA (Fair and Accurate Credit Reporting Act).  In addition to dispute letters sent to the credit bureaus, you can also dispute inaccurate tradelines with the reporting creditor.  If you have been taken advantage of by a credit repair organization, call us to see how we can help.

Free Credit Dispute Letter

We do not charge you for credit dispute letters.  We will provide you a free template that you can send on your own.  If you would like a free template dispute letter, give us a call and we can walk you through the process and help you to know what information to provide to show a tradeline is inaccurate.

If the credit report furnisher or credit bureaus will not remove the inaccurate tradelines, that is when we can step in to help.  Under the FCRA, you may be entitled to damages and having your attorney fees and costs covered.

Has a Credit Repair Firm Charged you Before Completing their Service?

Under the Credit Repair Organizations Act (CROA), you may not be charged for credit repair services prior to the work being completed.  CROA also prohibits false, misleading, deceptive, and other unfair conduct by credit repair organizations.

Litigation under the FCRA

We offer contingency, hourly, and flat-fee options depending upon the specifics of your case and your legal goals.  If you prefer to represent yourself and you can also retain us ala carte for advice, drafting of documents, or trial preparation.  If at any time you feel like you are in over your head, we can jump in and take over the case.  Call us today to see how we can help.