Do I Have to Suffer Provable Economic Damages to Make a Claim Under the Fair Credit Reporting Act?

Do I Have to Suffer Provable Economic Damages to Make a Claim Under the Fair Credit Reporting Act? One of the main issues we face in bringing claims for consumers under the Fair Credit Reporting Act (“FCRA”) or other similar statutes is proving the amount and extent of the injury caused by the allegedly wrongful …

What Remedies or Relief Are Available Under The Fair Credit Reporting Act (“FCRA”)?

You followed our FCRA blog posts and understand how accurate credit reporting is important for your financial future.  You sensed that something was wrong with your credit report and you have identified inaccuracies.  You followed our instructions and used our Sample Dispute Letter to dispute the false report. Finally, the false credit reporter has responded.  But …

Fair Credit Reporting Act – After You Find An Inaccuracy

If you find incorrect or inaccurate information on your credit report, you need to take action immediately. The best way to protect your rights is to send a dispute letter to the credit reporting agencies (Transunion, Equifax, and Experian) and the furnisher of the information. A “Sample Dispute Letter” which includes the address for the …

“How Do I Check My Credit Report?”

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 …

Protect Your Credit With The Fair Credit Reporting Act

HOW DO I CHECK MY CREDIT REPORT? 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 …

Credit – Part 3: Remedies Available For Violations of The Fair Credit Reporting Act

This is Part 3 of 3 on our series regarding credit disputes and related claims.  In Part 1, we shared an overview of credit and how it impacts our financial lives.  In Part 2, we explained how to dispute inaccuracies to the credit bureaus and reporting entities.  Today in Part 3, we discuss the remedies …

Credit – Part 1: Your “Credit Report” And Your “Credit Score” Explained

Your “credit report,” and the “credit score” based on that report, are very important and can have a significant effect on your financial well-being including determining the interest rate you pay on loans and credit cards and whether you even qualify for a loan or purchase.  The terms “credit report” and “credit score” are often …

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