We can get errors removed from your credit report for free.
Using the Fair Credit Reporting Act (“FCRA”), our credit repair lawyers can fix your credit for free. We will write the appropriate letter to the credit reporting agencies to get the item removed for you. If we are successful after writing a letter, you owe us nothing. If we have to sue the credit reporting agencies to get the offending trade line removed for you, you will still owe us nothing. The FCRA requires the defendants to pay your fees and costs and we look to them to do so. Of course, you can write a dispute letter to the credit reporting agencies yourself, but why would you want to when we will do it for free?
We can also get money from the credit reporting agencies for you.
Under the Fair Credit Reporting Act and the Fair and Accurate Credit Transactions Act (“FACTA”), we can get money damages for you if we have to sue the credit reporting agency to get your credit report cleaned up. You may be entitled to actual damages including emotional distress, embarrassment and humiliation. Call us for a free case evaluation.
Put our 20 years of experience to work for you.
We have filed numerous lawsuits under the Fair Credit Reporting Act. We have been highly successful for our clients and have collected large amounts of money for them. We know the law and more importantly, we know how our opponents think and evaluate cases.
Put our experience to work for you and let us get your credit report cleaned up and get you paid.
According to the Federal Trade Commission, 80% of all credit reports in the United States have errors on them. Half of those errors are enough to depress someone’s credit score.
Errors and mistakes on your credit report can happen for many reasons including:
a. Identity theft. This type of error is growing exponentially and may be the number one cause for credit reporting mistakes today.
b. Mismerged information. This kind of error occurs between different people with the same name. For example, John A. Doe who lives in Montana may have his credit information placed on John A. Doe who lives in Florida. This is a very common mistake.
c. Discrepancies amongst credit reporting agencies for the same debt. One credit reporting agency may report a debt as current while another might report it as delinquent.
d. Delinquencies that are reported longer than 7 years. Derogatory credit information has to be removed from your credit report after seven years from the first delinquency. Sometimes a debt buyer or a collection agency “re-date” a date of last delinquency so that a derogatory stays on your credit report longer than seven years. In 2004, the Federal Trade Commission hit NCO Financial Systems with a $1.5 million fine for doing this very thing. A delinquent debt may not be reported longer than 7 years on your credit report. Yet, in order to force you to pay the debt at some point, some collection agencies “re-date” the beginning date of the debt so that it stays on your credit report longer.
If you have errors or mistakes on your credit report, call Attorney Gary Nitzkin at (248) 353-2882 for a free, no obligation consultation. The call is free and the advice is priceless. You can also email him at [email protected].