DO YOU CHECK YOUR CREDIT SCORE?
Of course you do!
DO YOU CHECK YOUR CREDIT REPORT?
You might not have realized these are two different things.
Considering how much time we spend checking our credit score, you’d think it was the more important factor. It’s not!
Don’t fool yourself, Weatherford. When it comes to accurate credit reporting, your future is in your hands.
HOW TO CHECK YOUR REPORT
Go to www.annualcreditreport.com and enter a few pieces of personal info.
You can do this once a year for free, or three times a year if you space out each credit agency that offers your report. You should check all three in a given year, so definitely do one or the other.
HOW DOES IT LOOK?
If you see something that doesn’t belong, Call Me ASAP 817-738-1633
Fixing erroneous, and potentially fraudulent, reports in your credit can not only improve your credit score, but also earn you damages from the responsible institution. That’s right, you could be due monetary damages.
Who wouldn’t be interested in that?
There are many possible reasons to lose points on your credit score, but if for some reason you’ve maintained a consistent series of accounts, this shouldn’t happen. My name is James Foley PLLC, and I’m here to protect you from fraud and illegal activity by companies who try to steal from you.
RUN, DON’T WALK
An erroneous 30-day bank card delinquency on your credit report could lead to a 100 point drop to your credit score. -ConsumersUnion
One month can make a major difference in your credit score, not to mention a year or longer. Why let a bad actor get in the way of owning a home, buying a car, or receiving a loan?
The Dispute Process
Under the Fair Credit Reporting Act Liability attaches only after a dispute has been initiated. The dispute must be sent to the bureaus. They will then forward that information to the furnisher (the creditor providing the information), and then both entities are required to investigate the dispute. The dispute should include enough information to identify the consumer, and the account or tradeline in question. The dispute letter and accompanying documentation should spell out exactly why the information is incorrect and why you are disputing it. It should be clear on the face of the narrative and your included documents why the disputed information is wrong.
I like to draft the disputes myself, and on my letterhead. I also send the letters by certified mail, return receipt requested. There are other methods to disoute, but this way leaves a definite paper trail. Sometimes it solves the problems, other times it sets up a lawsuit.
WHEN YOU’RE READY TO LOWER THE HAMMER
I’m an experienced attorney, and the kind of partner who can make your case heard with credit agencies. I’ve won Weatherford and Decatur clients thousands only in the beginning of this work, and I know more in the county stand to profit. The same is true for Aledo, Mineral Wells, Parker County, and the entire DFW metroplex.
For just the price of a certified stamp, I’ll begin the dispute process in your name, and we’ll take on the credit reporting agency, whether that’s Equifax, TransUnion, or Experian.
JAMES FOLEY, WEATHERFORD’S CHOICE CREDIT ATTORNEY
I’ve dealt with these issues for years, and fought and won for consumers across North Texas, from Aledo to Decatur, as well as Weatherford and Mineral Wells.