Credit Report Error Fix | Weatherford, TX | Legal Assistance/PLLC Attorney
Whether you’re web surfing in Weatherford, Aledo, or White Settlement, 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.
Once we’re able to work together, and hopefully fix your report, your credit score will thank you, because your credit number is determined by the information on your credit report, as you might already realize. Once you’re able to raise your credit score, borrowing and lending processes get a whole lot easier!
If you’re not sure about discrepancies on your credit report, head over to www.annualcreditreport.com, input your information, and search the report for anything that might be incorrect.
The report looks pretty lengthy. Do I need to check every section? | FW Debt Defense
While I realize you only have so many hours each day, I can tell you that a complete review will be in your best interest. If you spend 40 hours working each week for a few thousand dollars, wouldn’t you want to spend 45 minutes checking to make sure someone hasn’t stolen ten times that amount of money in your name?
If you are short on time, though, you should take a look at accounts that are delinquent, especially if you think you should be up to date on your loans. This will be a good indicator of identity theft, and can help you avoid a nasty situation before it goes on too long.
Also check the section for “hard credit pulls,” which can only be performed by companies with your permission. (Soft credit pulls do not affect your credit score.)
Improper hard credit pulls are one of the most common ways your credit report can be adversely affected. So be ready to scan each aspect of that section in particular, if you only had to choose one to review.
Your credit report is protected by the FCRA (Fair Credit Reporting Act), a series of laws passed by congress that requires credit reporting agencies to fairly handle any dispute you may bring to them. However, just because there’s a law doesn’t mean they always have effect, so I want to equip you to avoid slipping through the cracks, as it were.
When you perform a thorough credit check, look for stale, reaged, and outdated information, or you could even have someone else’s info merged with your account due to clerical errors.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 standard threat of identity theft.
You have as little as 7 years from the original appearance of an account to fix a discrepancy, and much less time for credit pull accuracy determination, so act sooner than later.
What happens if I dispute a charge? | FCRA Lawyer Fort Worth
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.
While this process is complicated, I cannot emphasize enough that quick action will be your best friend.
When the agency receives your credit report dispute, they will initiate the dispute process, required by law. However, this process involves contacting the company that issued the account, and especially with hard pull occurrences, the CRA’s may disregard consumer evidence in favor of the company that broke the law.
If you find that your hard evidence is failing to win your case, call me at 817-738-1633.
When you run into a wall with the agencies… | Debt Defense Weatherford
I work on correcting information on your credit report when it goes ignored. The buck stops here!
If correcting your credit report means we have to initiate a lawsuit, it’s more straightforward than you might expect. On top of that, if we win the suit, the agency may be required to pay damages to you, pay for my fees, and other costs. So, not only will you receive a corrected statement, but hopefully some extra funds in addition.
Credit Report Inaccuracies | Weatherford, TX
Clients across Fort Worth, Azle, Weatherford, Aledo, and Mineral Wells 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.