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Credit Report Mistakes

Our attorneys have extensive experience helping consumers fix credit reporting mistakes and litigating federal cases under the Fair Credit Reporting Act.

We have successfully brought numerous claims under the Fair Credit Reporting Act on behalf of individuals with inaccuracies in their credit reports. These cases include situations in which:

  • a creditor provided incorrect payment history, incorrect balance information, or incorrect payment status regarding an account;
  • a person’s information was mixed with the information of another;
  • a person’s identity was stolen;
  • errors were made with respect to public record information, such as tax liens or judgments that had been vacated, satisfied, or otherwise dismissed;
  • a credit report was not properly updated after a bankruptcy was filed or discharged; and
  • a person’s credit report incorrectly indicated that the person was deceased.

If you believe any of the information in your credit report is inaccurate or incomplete, our attorneys will meet with you at no charge to discuss the best way to fix the mistakes in your credit report. If we take your case, we will handle it on a contingency basis, and you will not be required to pay our attorneys' fees unless we settle your case or obtain a judgment on your behalf. Please call us today if you have a mistake in your credit report.

Does your credit report include false information about an account?

Sometimes creditors provide incomplete, outdated, or simply false information about an individual’s account. Our attorneys have extensive experience helping individuals fix these errors and litigating related claims under the Fair Credit Reporting Act.

Past cases involved accounts that were reported as past due, delinquent, or in default even though payments were made; accounts reported as open even though they were closed; incorrect payment dates and delinquencies; duplicative debts; and accounts with an incorrect balance. If your credit report contains incorrect or incomplete information, please contact us, and one of our attorneys will meet with you at no charge to discuss the best way to fix the mistakes in your credit report.

Is someone else’s information in your credit report?

Often, a credit reporting agency will mix or merge two or more consumers’ reports who share similar identifying information, like their name, social security number, or address. Credit reports are often mixed when two relatives share such similarities. However, in some instances, a mixed file may also occur between strangers with just one similarity. Mixed information in your credit report is a mistake that should be addressed immediately. Our attorneys have litigated many cases involving mixed credit files. If your credit report contains information that you believe belongs to someone else, please contact us, and one of our attorneys will meet with you at no charge to discuss the best way to fix the error in your credit report.

Are you a victim of identity theft?

Identify theft can have severe negative consequences for a person’s credit report. Often, a victim of identity theft will not even know that the theft has occurred until the fraudulent account appears on his or her credit report. Unfortunately, the creditor and credit reporting agencies may refuse to remove the fraudulent information. If your credit report contains an account that you believe was fraudulently opened in your name, please contact us, and one of our attorneys will meet with you at no charge to discuss the best way to address the false information in your credit report.

Does your credit report include information regarding a tax lien or judgment that was vacated, satisfied, or dismissed?

Credit reporting agencies seek out and purchase public records data, including derogatory information regarding tax liens and civil judgments, to include in the credit reports they sell. However, credit reporting agencies do not always gather information about tax liens and judgments that are released, satisfied, vacated, appealed, or similarly dismissed with the same rigor and process that it employed to gather the information initially. If your credit report does not indicate the current updated status of a tax lien or judgment, then it is inaccurate and should be corrected. Our attorneys have assisted individuals in correcting incomplete public data record information contained in their credit reports. If you believe that your credit report is incorrectly representing the status of a tax lien or judgment, please contact us and one of our attorneys will meet with you at no cost to discuss the best way to fix the error in your credit report.

Have you had a debt discharged in bankruptcy that is not updated on your credit report?

Debts discharged in bankruptcy should be updated as discharged or included in bankruptcy. If your credit report does not reflect the current, updated status of a bankruptcy-related debt, then it is inaccurate and should be addressed. While the bankruptcy itself may have adversely affected your credit score, the failure of the creditor and the credit reporting agency to properly report the discharge of your debt impedes the improvement of your credit score and restoration of your financial reputation. If you believe that your credit report is not properly reporting the effect of a bankruptcy discharge on a debt, please contact us and one of our attorneys will meet with you at no charge to discuss the best way to fix the error in your credit report.

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National Association of Consumer Advocates
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