Correcting Credit Reporting Errors
Do You Have an Error on Your Credit Report?
If you have found an error on your credit report, you could be looking at much bigger problems than simply being denied a credit card. Credit reporting errors have the potential to negatively impact your loan eligibility; in extreme cases, reporting errors could even lead to identity theft.
We advise you to review your credit reports at least once a year to avoid the potential consequences of a reporting error.
Common Errors on Credit Reports
As a consumer, you have the right to a complete and accurate credit report. To this end, when inaccuracies or discrepancies arise, you also have the right to dispute them.
Common credit reporting errors include:
- Incorrect payment status
- Confusion of name, address, and/or Social Security number
- Mixed information from an ex-spouse
- Mixed account information due to identity theft
- Remedied delinquencies that haven’t been recognized
What To Do If You See an Error on Your Credit Report
As soon as you notice an error on your credit report, you need to take immediate steps to correct it. Typically, a remedy can be made simply by contacting the credit reporting agency and asking for a correction; however, if this does not resolve the issue, you may need to dispute the error through a written statement.
In the event the credit agency still does not take action to fix the error, do not hesitate to involve a Chicago consumer attorney from Atlas Consumer Law in the matter. We can help you take legal action to dispute the matter.
Want to Fix the Errors on Your Credit Report at No Cost to You?
We get paid by the credit bureaus if they fail to correct your report, and you collect statutory damages of up to $1,000 or any out of pocket actual damages you may have.
If you one of the more than 65 million consumers with credit report errors, you already know how hard it is to get these errors corrected. Credit reporting agencies devote limited resources to addressing errors, and the investigations they conduct are often inadequate.
Even worse, these uncorrected errors can have a negative direct impact, causing you to pay higher interest rate on loans, pay higher insurance costs, and these errors can even make it difficult to secure employment.
At Atlas Consumer Law, our Chicago consumer lawyers will fix credit reporting errors essentially for free. That’s right – we provide this service at a cost-effective rate. All we need is the following:
- Your credit report(s)
- An understanding of the error(s)
If you aren’t sure if your credit report is error-free, we can provide you with simple step-by-step instructions so you can obtain a free copy.
There are no upfront fees or costs. You never pay the firm a dime out of your own pocket. We get our fees from the money we collect from the credit furnishers or credit reporting agencies for violating the Fair Credit Reporting Act. If we are successful and you receive a clean credit report, you will receive up to $1,000.00 in statutory damages or any out-of-pocket damages you incurred.
Are you ready to get started in obtaining an accurate credit report?
Contact Atlas Consumer Law
If your efforts to correct a credit reporting error have been in vain, you can rely on our Chicago consumer lawyers for help. We are A+ Rated by the Better Business Bureau® and several of our team members have been selected for inclusion in the prestigious list of Super Lawyers®.
Backed by years of experience working in the field, we are the firm to call when you need legal help with a credit reporting error in Illinois. At Atlas Consumer Law, you can find a comprehensive solution for foreclosure, bankruptcy, and creditor harassment.
At Atlas Consumer Law, your satisfaction is our priority! See for yourself what our clients have to say about working with us.
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