Fair credit reporting statutes are the first place to look for credit report help. These federal and state laws promote the accuracy and privacy of information kept and distributed during the consumer credit reporting process. Credit reporting violations include where your credit report contains information that is inaccurate, incomplete, disputed or outdated. Fair credit reporting requirements are critical as the accuracy of your credit report can affect whether you qualify for a loan and at what interest rate, and the privacy of your information guards against identity theft, a very serious problem today that can ultimately affect your ability to get credit, insurance, or even a job.
Fight Credit Report Problems With The Fair Credit Reporting Act
Credit report problems which violate the Fair Credit Reporting Act and other consumer protection statutes require compensation to you for damages suffered (such as credit loss, higher interest rates and emotional distress), plus an additional amount up to $1,000 per violation, punitive damages, attorney fees and court costs, and often more importantly, allow you to correct and protect your credit report in the future.
The Fair Credit Reporting Act Process
Many consumers want to know how about the Fair Credit Reporting Act process and how to recover damages. Though each case is different and the results may vary depending upon the facts, the basic steps of how the Fair Credit Reporting Act process works are outlined below. You can also locate Fair Credit Reporting Act Attorneys listed through this site to represent you in your FCRA claim.
Call 888-595-9111 with all of the information concerning your potential case, OR complete the form on this page to request a phone call back to find out if you do indeed have a case.
The FCRA requires you to identify the items on your report that you think are inaccurate, outdated or wrong and to go through a dispute procedure with a credit reporting agency so the law office will consult with you on whether you have adequately completed that process or you need to initiate the dispute process from the beginning. Don’t worry, the Fair Credit attorneys will provide assistance and guidance through the process, and you can find any forms that you may need in the “Download Resources” box at the beginning of this page.
Once you have completed that process (or if you already have) you will be asked to provide information outlining the facts of your potential case, your dispute letters to the credit bureaus, and copies of your credit reports.
An attorney practicing Fair Credit law will review your paperwork and contact you to offer representation if your rights appear to have been violated under the Fair Credit Reporting Act.
Once the case is accepted the lawsuit will be prepared and filed. After filing suit, the attorney begins the process of discovery and disclosure by providing the credit reporting bureaus and/or the creditors proof of its FCRA violations, and by asking for more detailed information from them in return. This step involves thoroughly researching all the facts and even some of the hidden clues of your case in depth.
Throughout this process, the attorneys will consistently explore the possibilities of settling your claims with the defendant, while at the same time preparing for trial. And more than 99% of lawsuits fled are resolved prior to trial. But if a fair resolution cannot be reached in your case, the attorney will then proceed to trial with the objective of doing everything possible to secure your total legal recovery and satisfaction.
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