Hard Pull Credit Report Incorrect | Arlington, TX | Debt Defense Attorney
During the coming financial crisis, you may be lucky in your ability to take advantage of increased supply and decreased demand in the marketplace, whether you’re looking to refinance a loan, buy a car, or a house. As you prepare to begin borrowing, you’ll want to perform a financial self-checkup of your credit score, to make sure you’re eligible for the best rates and interest percentages.
An unauthorized hard credit pull may be lowering that credit score more than you realized.
Your credit score is dependent on the information in your credit report, but the two are not the same thing. So go to www.annualcreditreport.com and research the information in your entire credit report, but especially in the listed “hard credit pull” section.
How to Fix Hard Credit Pull | Arlington (Texas) | Grapevine, Grand Prairie, Pantego
I’ve helped clients across Grand Prairie, Duncanville, and the DFW Airport area when it comes to credit pulls, and it all starts with knowing your own credit background.
Have you been in any situations in the past year where you might have allowed a credit pull to be performed on your account? These instances might include things like purchasing a new car, refinancing a loan, or adding a new credit card.
Once you’ve tallied these situations, which you should be able to count on one hand, review your credit report from one or all three credit reporting agencies (CRA’s). Hard credit pulls are can negatively effect a consumer’s credit report. If you’re able to catch and repair the inaccurate entries, your credit score can only benefit.
How to Dispute a Credit Report inaccuracy | Fair Credit Attorney FCRA
With that list of credit history in your head, you may find no issues when you go to review your hard pull list. If that’s the case, good!
But, let’s say you went window shopping at a used car dealership before you signed for a new car lease. Without ever sitting down at a desk, you find that the used car dealer performed a hard pull on your credit information, just because you happened to step on their lot and do a test drive. If that’s the case, get ready to fight for your right to privacy, and hopefully win.
Call me immediately. 817-738-1633.
Credit Report Correction | Arlington, TX | Debt Defense Attorney
Unfortunately, the company that performed the inappropriate pull on your account may be very good at doing this sort of thing, and may be able to explain away the case easily. Don’t let their experience skirting the law mean your downfall. Call me, and I’ll make sure the law is working for the consumer, rather than the big company, like it’s supposed to.
If I file a lawsuit in your case, you may be owed additional damages for your trouble, and I’ll do everything in my power to make sure your credit report is correct, to a “T”.
Whether you’re in Watauga, Grand Prairie, Richland Hills, Duncanville, Grapevine, or Prestonwood, I’ll fight for your right to a fair credit report and subsequent FICO score. If we’re successful, you’ll hopefully see a bump on your credit score, a more accurate report, and possibly damages in excess of $1,000.
As your debt defense attorney, I’ll fight for your right to an accurate credit report, so call me at 817-738-1633, and let’s get started.
The statute of limitations on hard credit pull disputes is 2 years. If, like most consumers, you keep a close watch on your report every year, this could still mean you only have as many as 13 months to take action.