More and more, we are approached by clients interested in pursuing a case under the Fair Credit Reporting Act (“FCRA”). Often, they know their credit score should be higher than it is, but they have not yet reviewed a detailed credit report.
You are entitled to a free credit report every year, which you can get by clicking here. If your credit report contains errors, inaccuracies or incorrect information it can have a significant negative impact on your credit rating and you need to take immediate action. To protect your rights, you need to thoroughly review your credit report to ensure all the information is current and accurate. After you receive your credit report you need to review it to ensure that all the information is accurate and correct. If you find incorrect information on your credit report you have rights and remedies under a federal law called the Fair Credit Reporting Act.
Obtaining your credit report is the first step! Start here.
By GianDominic Vitiello, July 31, 2017