Ordering by Telephone
Each of the major credit bureaus (Experian, Equifax, Innovis, and Trans Union) allow consumers to order their credit reports by phone. Ordering by phone has the advantage of being a quicker and sometimes easier process than writing a request. You can call anytime and receive contemporaneous confirmation that you will receive your report. Even though though ordering by phone is convenient, it comes with some serious downsides.
What are the Complications of Ordering by Phone?
Even though the credit reporting agencies offer you the opportunity to order your credit report by telephone, these disputes present problems for consumers who may need to dispute errors on those reports. First, and most importantly, unless you record your conversation, you will not have any documentary evidence that you have requested that report or when. The credit bureaus are required to provide with a minimum of one free disclosure per year, and they must provide that report within 30 days of receiving the request.
Even though consumers are entitled to these reports, the bureaus often deny requests for reports, claiming that they cannot confirm the consumer's identity. Leaving them to reorder and wait another 30 days. In fact, many consumers may request two and three times before giving up. For these consumers, the only way to get a report is with a lawsuit. And a lawsuit will require proof that the report has been requested.
Second, if the credit bureaus are unable to verify the consumer's address, they may need to submit proof of ID by mail. This places consumer no better off than if they had ordered by mail in the first place.
These issues cause militate in favor of requesting your report by mail. You can use our free, automated request letter to order your reports from the major credit reporting agencies.
What Additional Resources Are Available?
- Want to see a list of the credit bureaus who keep data on you? Check out our Credit Bureau List.
- If you need help deciding which reports you need, you can read our article on Credit Reports to Order.
- Need help getting your credit report, see our article on How to Get Your Credit Report.
You may have a case under the Fair Credit Reporting Act if you notice the following things on your background report:
- Fraudulent identity theft accounts on your credit credit report.
- Someone else's Information on your credit report.
- Paid accounts still showing a balance due.
- Reporting your accounts in good standing as charged off or in collections.
- Discharged debts still reporting as owed.
- Paid tax lies showing as still owed.
- Derogatory accounts more than 7 years old still on your report.
- Previously deleted accounts that have been reinserted on your report.
- Duplicate reporting of the same account.
If you would like help with one of these problems, call (888) 400-CREDIT | (888) 400-2733 or contact us through this site.
How Much Are Your Fees?
We only charge a fee if we are able to recover for you, and The Fair Credit Reporting Act requires the other side to pay your attorney's fees if you win. You pay nothing up front and we take our fee from the other side.
Follow Up and Monitoring
After your case is done, we will help you to regularly check and monitor your background checks with free annual reviews of your background checks and credit reports to insure that you stay free of false conviction information.
Work with a Credit Report Attorney
If you have been the subject of an inaccurate credit report, you may have be able to seek a correction and compensation for any harm. Our firm can help. For more than 25 years, the attorneys of Lyngklip & Associates have represented victims of bogus credit reports credit reports and been a resource for Michigan consumers who need the help of an experienced lawyer.
To learn more or to schedule a free initial consultation with a credit report lawyer, contact our law firm today or call (888) 400-CREDIT | (888) 400-2733 or contact us through this site. In Michigan, you can reach our office at (248) 208-8864.