Nationally Recognized Leaders Among Consumer Lawyers
We take on the powerful credit reporting industry and hold them responsible for false and inaccurate reporting. We carefully screen our clients and devote the time, resources, and energy to maximizing your recovery for financial losses and distress caused by credit reporting agencies and creditors. Because of our focused attention, we can only accept a limited number of open cases. Please contact us for a Free Case Review to find out if we can help you.
Credit reporting errors continue to be among consumers’ #1 complaint. These errors are almost always caused by financial services companies, including banks, mortgage lenders, and credit card companies, who provide inaccurate information about you to the credit reporting agencies or by the credit reporting agencies when they assemble and combine your credit information to create your credit history profile. These errors often include inaccurate information about your identity or false account history information, like your payment history.
Why Should You Care?
Today, almost every business relies upon credit information to determine whether they should do business with you. The list includes banks, credit cards, car dealers, insurance, mortgage lenders, landlords, employers, and on and on. If your creditors or potential creditors are given false or inaccurate information about your credit history, it will cost you money in the form of higher interest rates, requiring that you provide more security money down, lower credit limits, and on and on. So you pay more for the cost of credit errors and the extra money you pay ends up in the coffers of the very businesses that report the false and inaccurate information in the first place. You might even say businesses have a financial incentive to get it wrong.
How Do You Know If False Information Is Being Reported About You?
Often your first notice of a problem arrives in the form of a letter notice from the credit card you use that your credit limit is being reduced, that your interest rate is being increased, or that your account is being closed due to information being reported on your credit. This type of red flag should never be ignored. You need to know exactly what credit information they are relying upon and whether it is an error or identity theft activity. Do not ignore any red flags related to your credit. We will share with you what you should do if you find a red flag about your credit history. Please contact us for a Free Case Review to find out if we can help you.
Where Do You Start?
You should begin by getting copies of your credit report. This sounds like it should be simple, right? The reality is that the credit reporting agencies make it hard. You will learn that what should be simple has been made into a confusing and complex maze. Credit reporting agencies like TransUnion, Equifax, and Experian make it hard in order to try to sell you unneeded services and monthly subscriptions even though federal law gives you the right to a FREE credit report every year from each of the three major credit reporting agencies. If you go directly to the website of any of the major credit reporting agencies you will see all they want to do is convince you to sign up for their credit monitoring, credit alert, credit score, credit checking services that never end and make a great deal of money for them.
Mail the request form to:
Annual Credit Report Request Service
PO Box 105281
Atlanta, GA 30348-5281
If you want to obtain your credit report directly from the credit reporting agencies, call:
TransUnion @ 800-888-4213
Equifax @ 800-685-1111
Experian @ 888-397-3742
I Have My Credit Report, Now What?
Review your credit report for errors about your identity—inaccurate name spellings, wrong name, addresses and phone numbers—and for inaccurate account information –accounts you don’t recognize, closed accounts that are reporting as open, inaccurate balances, monthly payment amounts, date of last delinquency, if any and inaccurate monthly payment history.
How Our Office Can Help
If you have credit reporting errors appearing on your credit reports, contact our office for a Free Case Review. We have recovered millions of dollars in jury verdicts and settlements for clients. Often times these cases require a substantial amount of investigation and resources.
If you live in Oklahoma or New Mexico we can assist you directly. If you live in another state, we have co-counsel relationships in many states and may be able to offer you representation with locally licensed counsel or a referral.