Michigan 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 problems
- Someone else's credit on your report.
- Wrong name, address or social security number.
- Reporting of an account that you are only an authorized user for.
- Being reported as deceased.
- Reinsertion of previously deleted account information.
- Short sales reported as foreclosure.
- Accounts reported multiple times on your report.
- 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.
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 have one of these problems, our experienced credit attorneys can help. At Lyngklip & Associates, we have represented victims of credit errors for more than 25 years. Our law firm is dedicated to helping consumers restore their credit and keep their credit reports free of false and inaccurate information. Whether you have found credit errors on your report or you are a victim of identity theft, we can help, starting with a free consultation to help you understand your rights and your options.
Restore Your Credit
The most common problem faced by victims of credit errors is the harm done to their credit and credit score. We have helped thousands of consumers dispute their errors and and restore their credit. And if the dispute process does not succeed, we bring a lawsuit to restore their credit. In most cases, our settlements include not only correction of the consumer's reports, but also include compensation for harm to the consumer.
If you have a serious credit report error, we can help you dispute the error or provide you with the support and resources to dispute the error on your own and no charge. Our attorneys sue creditors and credit bureaus who try to avoid their responsibility for reporting only accurate information. They can help you to restore your credit. If you need credit errors your reports and your credit restored, contact us now for a free consultation or call (888) 400-CREDIT | (888) 400-2733.
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.
What A Michigan 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.
Work with a Michigan Credit Report Lawyer
If you are a victim of false credit reporting, our firm can help. For more than 20 years, the law firm of Lyngklip & Associates has represented victims of inaccurate credit reports and been a resource for Michigan consumers who need the help of an experienced credit lawyer.
To learn more or to schedule a free initial consultation with a Michigan identity theft lawyer, contact our law firm today or call (888) 400-CREDIT | (888) 400-2733.