The Meyrat Law Firm Can Fix Errors on Your Credit Report
The Meyrat Law Firm can help you dispute errors on your credit report, force companies to correctly report information on your credit report, and file a lawsuit against credit reporting agencies or companies. The Firm has filed lawsuits against credit reporting agencies and creditors that have resulted in the credit agencies removing inaccurate information and obtaining money damages for our clients. Don’t let mistakes and errors on your credit report limit your financial freedom and hurt your opportunities in the future. Contact the Meyrat Law Firm at (210) 735-9911.
The accuracy of your credit report is very important
As many as 1 in 3 Americans have errors or mistakes on their credit reports. The information in your credit report can impact your ability to get a job, buy a house, buy a car, get car insurance, apply for a credit card, or send your kids to college. Even if you’re not denied credit, a small error here or there can cost you more in interest. That’s why it’s important to have an experienced lawyer on your side to dispute the errors appearing on your credit report and hold the credit reporting companies responsible.
Are There Errors on Your Credit Report?
To evaluate your case, The Meyrat Law Firm will need:
- Copies of your credit reports from all three credit reporting agencies: Equifax, Experian, and Transunion
- Copies of your dispute letters to the Credit Reporting Agencies and any responses you received
- Copies of all documents that prove the information you are disputing is indeed inaccurate
- Copies of all documents that prove you have suffered damages as a result of the reporting errors
Common Errors on Your Credit Reports
- Failing to report a discharged debt in bankruptcy
- Reporting information older than 7 years
- Reporting old debts as new
- Reporting a debt which was settled
- Mixing credit information of multiple parties
- Failing to correct any inaccurate information from the debtor’s file
- Supplying credit information despite reported identity theft
- Applying late fees to debts paid on time
Fair Credit Reporting Act (FCRA)
The Fair Credit Reporting Act (FCRA) is the primary resource for resolving consumer’s credit report problems. You have the right to seek damages from anyone who violates the FCRA. Most FCRA claims fall in three general categories:
- Unauthorized access to the consumer’s credit report by a salesperson, an employer, or an adversary in court
- Credit reporting agency fails to maintain reasonable procedures to ensure maximum possible accuracy in the credit report
- Companies fail to reinvestigate a report after the consumer has disputed the information with the credit report agency.
Should I Hire a Credit Repair Company?
No. It’s a scam. They typically charge a high upfront fee, but often do little or nothing for you before vanishing. Most credit reporting errors can be fixed by yourself or with an experienced lawyer helping you through the dispute process.
Credit Repair Organizations Act (CROA)
The Credit Repair Organization Act says it is illegal to charge consumers money before performing the promised credit repair services. In compliance with law, the Meyrat Law Firm only request payment after negative items have been successfully removed from a credit report. This allows the consumer to ensure that they are benefiting from the services of an organization before making a payment.
Contact The Meyrat Law Firm
The Meyrat Law Firm understands that credit reporting errors are frustrating, damaging, and involve a tedious dispute process. Dealing directly with the credit reporting agencies and creditors is a hassle, and it is common for these organizations to reject your request because of a lack of adequate documentation. Contact our office at (210) 735-9911 by phone or e-mail and schedule a free consultation with an experienced consumer protection lawyer. We look forward to helping you make your financial future bright!