Texas: What to do if your credit report is wrong | James Foley, PLLC
If you know the names Equifax, TransUnion, and/or Experian, it could be for one of two reasons. Either you’re an attorney who represents clients’ rights under the Fair Credit Reporting Act like me, or, you are about to need one!
I’m James Foley, PLLC, and I serve consumers across the greater Fort Worth metroplex and all of Texas when they find inaccuracies, errors, or illegal activity on their Experian/TransUnion/Equifax credit reports.
For credit reporting lawsuits, and all your FCRA questions, I’ll serve you to my best ability. And that goes for Ft. Worth, Arlington, Benbrook, Ridglea, Lake Worth, Weatherford, Aledo, Richland Hills, HEB, Burleson, and everything in between. Moreover, call me if you’re having credit reporting accuracy trouble in Houston, Austin, San Antonio, Waco, or the Permian Basin.
If you’re planning to take on a new line of credit or start a new life chapter, having your credit report in accurate shape is crucial! And even for the smallest of issues, having a lawyer at your side can actually save you time, money, and in some cases, you may be owed monetary damages too.
If you’re here because your credit score has changed unexpectedly, and you don’t know why, go to www.annualcreditreport.com for a free credit report.
Getting PAID when your Credit Report is INACCURATE | Fair Credit Reporting Act
Lots of times I get asked, “how much money could I get for having a mistake on my credit report?” My answer is always the same: Even if you aren’t awarded damages, accurate credit can save you thousands of dollars long term.
But that’s not to say I haven’t won money for my clients. It’s my goal in every case to get my DFW and greater Texas clients the best bang for their buck. If you need to dispute your credit report in Waco, Amarillo, El Paso, Tyler, or Wichita Falls, reach out to me at once.
The number one factor in most cases that separates the big bucks from the near misses is time. If and when you find an issue, call me IMMEDIATELY. Time may be of the essence, and I’ll begin the process for the price of postage.
What is the Fair Credit Reporting Act (FCRA) and does it apply to Texas?
Often I meet new Texans dealing with any number of issues, from the usual computer errors to more complex things like reaged debts, post bankruptcy collectiopns, identity theft, merged files, and more. No matter how frustrating or complicated these issues may seem, consumers are protected by federal law, and I can represent them in court to great benefit. But, to make that all happen, consumers have to be prepared in the following ways:
1. PRESERVING CREDIT REPORTS/DOCUMENTS
Save yourself the trouble, and download your credit report every time you look at it. No one is saving that file in cyberspace after you access it! I’ll need a wide range of documentation to argue your case in federal court, and the more reliable your data is, the better chance we’ll have for success.
2. ACT NOW AND CALL ME
Call me for a free consultation at 817-738-1633, and I’ll take a good look at your case.
The sooner you act, and get me involved, the better. I will give you my honest opinion and make sure you’re satisfied with my work ethic. If you wait too long, the law may no longer protect you. A week can make all the difference! If you have credit report accuracy concerns in Galveston, Midland, Amarillo, Houston, or San Antonio, then call James Foley, PLLC!
3. TAKING LEGAL ACTION WHEN REACHING A DEAD END
Whether or not you’re looking at Identity Theft, Merged Files. Reaged Account Balances, Computer Errors, or Past Bankruptcy Collections, there may come a time in our case when the agencies won’t further work with us. When that happens, we go to court and get you what you’re owed.
Federal court can seem intimidating, but not with James Foley at your side! I’ve won FCRA lawsuits for my clients across Texas, and depending on the severity of your case, I may be able to win your case and get damages too.
My favorite cases are those in which my clients get paid, and my work on their behalf costs them little to nothing as a result.
When to get a lawyer for credit report problems | DFW, Weatherford, Waco Attorney
If you haven’t figured it out yet, the right time to address your credit report problems is right now!
For FCRA and credit report disputes in Weatherford, Abilene, Grapevine, Georgetown, San Antonio or Farmer’s 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.