Legal Assistance with Reporting Credit Report Errors

How long should a credit report error response take? | Texas Credit Reporting Help

If you’re familiar or have dealt personally with TransUnion, Experian, or Equifax, then you probably have some knowledge of how credit reporting works, or in some cases, how it doesn’t.

What you may not know is that these credit reporting agencies (CRA’s) are working with many more parties than you, and those parties aren’t always on your side. When a contest happens between you and another entity, that can mean delays and losses that you shouldn’t owe. 

My name is James Foley, PLLC, and I’m Texas’s choice for Fair Credit Reporting Act legal representation. You might not think you need a lawyer for your credit dispute or whatever issue you may be having with Equifax, Experian, or TransUnion, but trust me: I could save you time and money, but I’ll definitely save you a headache! 

When you need fair credit reporting legal representation in Ft. Worth, Arlington, Waco, Austin, San Antonio, Houston, Austin, Galveston, Lufkin, Burleson, or anywhere in between, call James Foley, and I’ll get your case started for next to nothing. I also serve clients beyond D/FW, which means if you need fair credit reporting help in Houston, San Antonio, Waco, Austin, or Midland/Odessa, I’m here for you. 

If you’re here because your credit score has changed unexpectedly, and you don’t know why, go to for a free credit report. 

What if my credit appeal to Equifax/TransUnion/Experian is denied? | Texas Legal Help Fair Credit Reporting

If you’ve made a dispute (or are thinking about one) based on incorrect, reaged, or fraudulent information on your credit report, you may have found there are delays and roadblocks, even for what seems like a simple fix. When I get asked about involving a lawyer for a mistake on a credit report, my reply is: 

You can be awarded monetary damages if you’ve been wronged, and even if you don’t come away with damages, accurate credit will save you thousands in the years to come! 

I’ve won damages for a number of clients, and it will be my goal to win you damages to the fullest extent of the law, in addition to the most important factor: accurate credit reporting. Speaking of important factors, the most important part of any FCRA lawsuit is time, so if you think you have an issue, you need to contact me ASAP. When I think of all the near misses on past cases, it always comes back to clients acting too late. 

For credit reporting disputes and credit report issues in Amarillo, El Paso, Wichita Falls, Tyler, North Dallas, and South Texas, call James Foley, PLLC, and I’ll start your case for as little as the price of postage. 

How to appeal credit reporting errors with TransUnion, Equifax, or Experian | Allen, Plano, Sherman TX

Whether the issue is the result of computer error, reaged debt, post-bankruptcy collection, merged file, or identity theft, your credit accuracy is guaranteed legal protections under federal law. If you want to take the most advantage of that protection, you MUST account for the following:


Documentation means checking your credit report regularly, and then downloading it once you’ve checked it, because it won’t be saved! Then, you’ll need documents from past bankruptcies, card statements, and/or financial documents. Your success in court and when it comes to damages awarded both depend on the strength of your documentation, and you can start collecting documents TODAY, so don’t wait. 

2. CALL ME ASAP AT 817-738-1633

I’ll give you a free consultation, in addition to an honest opinion of your case. And I can’t emphasize enough: call me TODAY, because even a week can make all the difference in your case. 

If you haven’t sent a dispute, don’t do that until we’ve talked. I’ll be able to initiate that process for the price of postage and get us started cheaply. For all credit reporting accuracy legal help in Midland/Odessa, Fort Worth, Galveston, Grapevine, Allen, and Plano, call James Foley, PLLC. 


Once we initiate your case, or follow up on a case where you’ve reached a dead end with any of the agencies, it may be time to take the case to court. Federal court should not intimidate you with an attorney like James Foley at your side! I know Texas’s many courts, how they’ll likely rule, and how to best navigate the system. 

My goal is to get my Texas clients paid, and to provide my services at little or no cost to them in the process! 

El Paso, Austin, or D/FW Fair Credit Reporting Legal Help by James Foley, PLLC

If you’re planning to take on a new line of credit or start a new life chapter, having your credit report in good shape is crucial! And even for the smallest of issues, having a lawyer at your side can actually save you time, money, and a headache or two.

For FCRA and credit report disputes in McKinney, Frisco, Rockwall, Garland, Terrell, Abilene, Grapevine, Georgetown, San Antonio, Weatherford, Houston or Farmers Branch, call James Foley, and let’s do everything to fight, win, and give you a fresh start for your financial future: 817-738-1633.