If you are the victim of identity theft, had your credit merged with someone else's or just want the inaccuracies off your credit reports, call us at (248) 342-9583. We have extensive experience in cleaning up credit report errors and getting you money damages from the companies that are ruining your credit. Under the Fair Credit Reporting Act (FCRA) we make the bad guys pay you and our attorney fees and costs.
One in four credit reports contains errors serious enough to cause consumers to be denied credit, a loan, an apartment or home loan or even a job, according to a survey released by US Public Interest Research Groups.
The first thing you should do is check your credit history. Under Federal law, you are entitled to a free copy of each of your credit reports annually. The three big credit bureaus, Equifax, Experian and TransUnion, have set up a website to allow you to get your free reports (one from each) at AnnualCreditReport.com. Use only that site to avoid "paying" for other "Free" imposter sites.
The FCRA gives you specific rights for Credit Repair:
Once you have found any inaccuracies or negative trade lines on your credit history, you have a right to dispute incomplete or inaccurate information on your credit report. If you identify incomplete or inaccurate information on your credit score:
So the next best thing you can do after you look at your credit reports is to dispute any inaccuracies or negative trade lines on your credit history. This must be done before you can file a lawsuit under the FCRA to remove the bad stuff. Here is a free dispute letter in WORD. Fill in the blanks, sign the letter and send with a copy of your ID and Credit history pages showing the debt you want removed in a circle. Send this letter to the three credit bureaus and any creditor or debt collector on the credit that is displaying the debt. The letters should be sent certified, return receipt requested and keep a copy of the SIGNED letters so they can't falsely say you did not send the letters.
Contact us before or after you send the free dispute letter to the three credit agencies and creditors. If they do not correct the errors within 30 days, we will sue them and clean the mess up for you.
The Federal Fair Credit Reporting Act is a Consumer Statute that can remove the bad marks, get you compensation and get any attorney fees and costs paid if you prevail for Free Help. We make the bad guys who caused your problems pay you and pay us!