Super Lawyers
Avvo
State Bar of Michigan
Thunderhead Ranch
NACA
Yelp

Credit Report Errors

Credit bureaus maintain the credit histories of nearly 240 million Americans. It is estimated, however, that 12 million people have errors on their credit reports that can seriously damage their credit. Most often, these errors fall into well known categories of incorrect information and inaccuracies:

  • Identity theft accounts on your report.

  • Wrong name, address or social security number.

  • Someone else's credit card or public records on your report.

  • Reinsertion of previously deleted account information by a creditor under the same or a new account number.

  • Short sales reported as foreclosure.

  • Accounts reported multiple times on your report by the issuer.

  • Derogatory accounts reported more than 7 years after they first became delinquent.

  • Closed accounts reported as open.

  • Paid accounts reported as late or charged off.

  • Obsolete credit items.

  • Incorrect credit limits.

  • Incomplete information the makes a report inaccurate.

Any one of these errors is potentially serious enough to impact your credit score and cause a credit denial or increased cost of credit. Credit report errors like these can limit your choices and derail your personal goals. If you would like to find out if you have errors on your credit report, call our toll free phone number to talk about your credit report errors (888) 400-CREDit | (888) 400-2733.

Credit Report Errors Hurt Your Credit Score

Inaccurate information on your credit report can hurt both your FICO and Vantage credit scores. This negative information can lead to credit denials, higher interest rates, and damage to your creditworthiness. Your personal finance goals likely rely on the use of credit. Don’t let credit report errors keep you from reaching your goals, call our office today to see how credit reporting errors may be harming you, call toll free (888) 400-CREDit | (888) 400-2733.

Disputing Credit Errors

Consumers who need to dispute errors should document their those disputes. Any letter should include a copy of your driver’s license, documents supporting their dispute, and should be sent to the credit bureau’s dispute center by certified mail, with a return receipt requested. Our web site provides instructions on how to write a credit dispute along with sample letters for people with common errors and for victims of identity theft. If you need help with your credit dispute, call for a free initial consultation (888) 400-CREDit | (888) 400-2733.

Credit Dispute Process

Federal law provides for a dispute process with credit reporting companies who receive a consumer dispute letter. These consumer disputes, must be processed within 30 days. In that time, the credit bureau must forward a dispute information to the data furnisher using a standard dispute form called an ACDV. The furnisher has 15 days to respond, and the credit bureau must then complete their investigation within the 30 days. Our site has information about the credit dispute process. If you would like more information about the credit dispute process, call for a free consultation (888) 400-CREDit | (888) 400-2733.

What a Credit Report Attorney Can Do for You

If you have experienced any of these situations — or are facing a credit reporting issue not listed here — our firm may be able to help. From challenging the disputed items to seeking damages for your losses, we work with consumers throughout the dispute and process and litigation get consumers the remedy they need. We offer free initial consultations, and won't charge a fee unless we get money for you.

Our law firm sues the companies that refuse to correct credit reporting errors. In most cases we get our client's reports correct along with compensation for harm to their credit, damage to their reputation, and the frustration caused by false reporting.

How Much Are Your Fees?

If you win your credit reporting lawsuit, the other side must pay your attorneys' fees. This means that the credit bureaus and financial institutions that damaged your credit report must pay your lawyer to help fix the problem. Lyngklip & Associates, only charges consumers if we are able to recover for them, and our fees are paid for out of the recovery. Consumers never pay up front fees and there is no charge for your initial consultation. Call (888) 400-CREDit | (888) 400-2733 today review your case or contact us through this site for a call back.

Follow Up and Monitoring

After your case is done, we will help you to regularly check and monitor your credit report, with free annual review of your credit reports to insure that you stay free of credit report errors.

Free Phone or Zoom Consultation

Since the pandemic, our firm has gone virtual. We can provide consultations by phone or any other major virtual conferencing platform including Zoom. There's no need to fight the credit bureaus by yourself. Get the representation of Michigan's most respected credit reporting attorneys. Call now (877) 400-CREDit | (877) 400-2733 or contact us now through this site.

Who are the credit bureaus that have information about me?

There are four major credit bureaus that get information from lenders, debt collectors, and public record collectors. The Fair Credit Reporting Act (FCRA) requires that these credit reporting agencies provide you with a free copy of your credit report every year and to process credit report disputes within 30 days.

If you are looking for additional resources, you can get a free copy of your credit file from the Annual Credit Report web site. https://www.annualcreditreport.com

For a more complete list of the companies that operate as consumer reporting agencies, you can see the list prepared by the Consumer Financial Protection Bureau (CFPB) at their web site:https://www.consumerfinance.gov.  For more information on getting your free credit report, you can also visit the Federal Trade Commission (FTC) web site:  https://consumer.ftc.gov.