Credit Report Errors Can Cost You More Than You Think
Did you know that the majority of credit reports contain errors? Errors that could keep you from getting the loan you need for a new car or to buy a house? Consumers in communities throughout Alabama need to know more about their credit report. This is especially true following a bankruptcy or creditor dispute, or in the case of mysterious bills and collections notices that may be a sign that you have been a victim of identity theft or credit card fraud.
At the Lindsey Law Firm in Birmingham, we offer honest answers, sound legal advice and experienced representation to consumers throughout Alabama who need experienced advocacy to fight unfair or inaccurate credit report information. Call our office today at 205-588-2896 for a free consultation.
Why Consult a Lawyer? Can't I Fix My Credit Report Myself?
Many of our clients come to me after having applied for a loan that was denied based on surprising information on their credit report, such as mysterious lines of credit, misreported defaults or continued reporting of debts paid off or discharged in bankruptcy.
If your ability to get a loan has been impacted by credit report errors or intentional false reporting of credit information (a violation of the federal Fair Credit Reporting act or FCRA), an experienced lawyer can help you respond quickly and appropriately.
While you are entitled to obtain a free copy of your credit report from Equifax, Experian and TransUnion once every year, this sort of periodic checking may not be enough to identify errors on your credit report or stop identity theft. You may also dispute any unfair or inaccurate information in writing, if you are confident in your understanding of the system. Most people are not. That is where we can be of real help.
As experienced consumer protection attorneys, we can help you clean up your credit report. Credit reporting agencies and your creditors have no interest in making the job easy. You may feel overwhelmed by the complex bureaucratic hoops you have to jump through to fix errors and false information on your credit report. We can help. Contact the Lindsey Law Firm in Birmingham for a free and informative consultation.
Call the Lindsey Law Firm Today at 205-588-2896
