FCRA attorney is a legal specialist who helps consumers get the help they need to correct credit report errors and violations. A skilled FCRA attorney understands how a consumer’s credit history can shape many aspects of their life, from buying a home or securing a loan to employment opportunities. They work tirelessly to make sure their clients have a clean credit history.
Every person has a credit report that contains information about past and present credit transactions, which is used to assign a credit score. This credit score can be used to determine things like your mortgage rates, credit card offers, and loan terms. Credit agencies and the companies who furnish information to them must follow strict guidelines in order to maintain accuracy. If you find wrong or missing information on your credit report, it is important to act fast. Contacting a FCRA attorney is one of the best ways to resolve these issues and fight for your rights.
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to look into any disputed information within 30 days. They must also remove or correct the wrong information from your report. If they fail to do this, they are violating the law and you may be able to sue them. A credit report lawyer knows how to navigate this process and will fight to get you the compensation you deserve.
A credit report attorney will examine your credit reports closely, finding any errors and possible FCRA violations. They will then help you write and submit a dispute letter to the CRAs, fighting for your rights. The CRAs are required to investigate your dispute and make changes to your credit report if they find any mistakes or inaccuracies.
In addition to working on your credit disputes, a credit report attorney will also represent you in other matters related to your credit. For example, debt collectors often violate FCRA and other laws by calling and harassing consumers over disputed or inaccurate debts. An experienced FCRA attorney can handle these situations for you, negotiating with debt collectors and helping you get the information removed from your credit file.
The FCRA also places restrictions on who can see your credit report and when. If your credit report is released to people you do not authorize, such as potential employers or landlords, this can be a violation of the law and you should seek redress. A good credit report attorney will also help you file a claim for damages when necessary. These include statutory and punitive damages for emotional distress and financial losses.
John Bedard is a seasoned litigator who practices in the areas of FCRA, consumer finance, and debt collection. He regularly works with creditors, asset buyers, and debt collectors helping them stay compliant with state and federal law. He travels the country conducting CFPB readiness assessments for credit agencies. He also represents consumers in FCRA and TCPA class actions and individual consumer claims.