Credit Report, Hard Pull Issues | Weatherford, TX | Debt Defense Attorney
As the demand for high value items like cars and homes decreases during the current crisis, you may be looking to capitalize on the lowering costs by refinancing a loan or mortgage. To get the best rate, you’ll want to have a good credit score, and your credit score may be lower due to what’s called an unauthorized hard pull.
Download and read your credit report!
Your credit report is not the same as your credit score, but the latter is affected by the former, so don’t wait another moment to go over to www.annualcreditreport.com and begin reading. You can access your report for free as often as every four months if you spread out your access to each of the agencies.
Once again, the equation is simple: read your credit report, look for unauthorized hard pulls, and dispute them to improve your credit score. Here’s how:
Credit Pull Inaccuracies | Weatherford PLLC | Consumer Advocate
I’ve helped clients across Weatherford, Aledo, and Mineral Wells when it comes to credit pulls, and it all starts with knowing your own credit background.
Think back on the past year. In what situations have you signed up for a utility, a credit card, or an apartment and filled out a form authorizing a leasing company or used car salesman to look at your debts?
Hopefully, you’ll be able to count these instances on one hand, and all of them will be fresh in your mind. When you access your credit report and scroll down to look at the hard credit pull section, this is where you’ll need to scour closely.
Hard credit pulls are the most prevalent form of inaccuracy on a given consumer’s credit report, and repairing them can be immensely beneficial.
How to fix a wrong Hard Pull on your Credit Report | FCRA Laws
Once you have a good idea of your history, you may look at your hard credit pulls and determine that everything looks correct. Good!
But, let’s say you went window shopping at a used car dealership before you signed for a new car lease. Instead of the car lease hard pull, which you approved, you see both the lease pull and a hard pull performed by the used car dealer. That’s a problem.
When you see that a company has tried to take advantage of you by illegally accessing your credit information, it’s time to act. Call me to get started, or get started with the steps below and give me a call as soon as possible.
Credit Report Correction Issues | Weatherford, TX | James Foley PLLC
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 located in Annetta, Mineral Wells, Cool, Aledo, or Azle, your right to a fair credit report and resulting credit score is the same as anyone else’s, and I’ll fight for that. As soon as you give me a call, we’ll get to work at once.
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 pulls lasts less than 2 years, so act now before it’s too late. If you only check your credit score once a year, that could give you as little at 11 months to make the necessary changes.