How to Fix Credit Report Errors | Arlington, TX | Legal Assistance/PLLC Attorney
Whether you’re looking for assistance in Arlington, Grand Prairie, or Pantego, it’s because you’ve probably found an error in your credit report, and you’re desperately attempting to correct it. You’ve come to the right place.
I’m James Foley, PLLC, Fort Worth’s licensed debt defense attorney, here to make sure you get the accurate credit report you are owed, even if your credit reporting agency has told you that your request won’t be approved.
Your credit score will thank you, if we’re able to succeed, because that number relies heavily on the content of your credit report. I’m here to make sure that credit report of yours is as accurate as can be. Once we get your report in ship shape, borrowing will become much easier for you, and you’ll be on your way to true financial progress.
If you’re looking to improve your credit score, and don’t have a good grasp of your current credit report, head over to www.annualcreditreport.com, input your information, and scour that report for anything that looks out of place.
What parts of the report should I review? | Arlington Debt Defense Attorney
While it’s a time commitment to review your credit report, it can be worth much more to you than whatever you currently earn in a given hour at your job. You’ll do more favors for yourself in a half hour than you could earn in salary for a whole week. Believe me!
If you’re only able to give your credit report a small amount of time, though, check for the following issues:
1. Delinquent accounts that you’re not aware of. This will likely indicate an identity theft or incorrectly merged account.
2. Hard credit pulls performed without your express permission. (Soft pulls are not damaging and do not require correction.)
The FCRA (Fair Credit Reporting Act) was passed by congress to protect consumers when they find credit reporting inaccuracies. But the FCRA is only a law, and enforcing that law can fall on the shoulders of you, the consumer, which is where I come in. As your debt defense attorney and experienced FCRA agent, I can assure you that my knowledge of the law will give you the best chance at true enforcement when a CRA (credit reporting agency) might otherwise rule against you.
When you perform a thorough credit check, look for stale, reaged, and outdated information, or you could even have someone else’s info merged with your account due to clerical errors. Additionally there may be overinflated balances and incorrect public records, in addition to the aforementioned threat of identity theft.
The statute of limitations may be as little as two years for many of the inaccuracies I handle, so don’t let any more time pass by than already has, especially if you find yourself with a few extra minutes to spare. Take the time!
How do I dispute a credit report inaccuracy? | FCRA Lawyer Arlington (Texas)
An erroneous 30-day bank card delinquency on your credit report could lead to a 100 point drop to your credit score. -ConsumersUnion
You can use the form available on this website to draft a dispute letter to your CRA, or I’ll happily do this for you at the price of the postage, with the PLLC letterhead (which usually gets the agencies to pay attention).
Upon receipt of your dispute, the agency should then request additional information from both you and the company that performed the pull, added the information, or reaged your account, in order to fairly review and make a decision. Unfortunately, large companies frequently win these dispute processes, because they have much more experience in the matter, and may not be providing accurate information either.
If you find that your hard evidence is failing to win your case, call me at 817-738-1633.
Ignored by your credit reporting agency? | Debt Defense Arlington
When a credit reporting agency chooses to favor a used car lot in Arlington over a victimized consumer in Grand Prairie, I’ll make sure your hard evidence is considered and re-evaluated, whether it’s a car lot, credit card, or any other inaccuracy on your report.
My specialty is correcting your credit report when you would otherwise be ignored. The buck stops here!
We may have to initiate a lawsuit in order to right the wrongs on your report, but it’s a more straightforward process than you might realize, and I’ve been successful in my work for consumers. If we win your suit, my attorney’s fees will likely be paid by the agency, and you may be owed damages in addition to a proper correction to your credit report and credit score.
You deserve a reward for holding the credit reporting agencies accountable, don’t you?
Credit Report Inaccuracies | Grand Prairie, TX
Clients across Fort Worth, Arlington, Pantego, Grand Prairie, and Carroll have taken advantage of having me on their side in times like these. Join your neighbors in getting a fair shake for your trouble, and call me today to get started: 817-738-1633.