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Fair Credit Reporting Act Process

Many consumers want to know how a Fair Credit claim would proceed if their Fair Credit Reporting Act rights have been violated. Though each case is different and the results may vary depending upon the facts, please find the basic steps of the fair credit reporting act process outlined below should the experienced Fair Credit Attorneys listed on this site represent you in your FCRA claim.


Fair Credit Reporting Act Process

  1. You call 888-595-9111 with all of the information concerning your potential case, OR click here to request a phone call back to find out if you do indeed have a case.
  2. An attorney practicing Fair Credit law will review the information to determine initially if you have a claim.
  3. An attorney calls you right away to go over the information to determine if there is a strong possibility you have a potential claim. ***As the FCRA requires you to go through a dispute procedure with a credit reporting agency, the attorney 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 will provide you any forms that you may need at this time.
  4. If the attorney deems that you have completed that process you will be asked to fax or e-mail information outlining the facts of your potential case and provide your documents and credit reports.
  5. Fight Debt Collector Abuse

  6. A Fair Credit For Consumers attorney reviews all of your paperwork and contacts you to let you know if your case is accepted, against whom the case should be filed against, and what the reasonable outcome to your case could be.
  7. Once your case is accepted, the attorney will prepare a lawsuit and file the suit in the court which serves your specific case needs best.
  8. 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.
  9. Throughout this process, the attorneys will consistently urge the defendants to settle, while at the same time preparing for trial. If resolution cannot be reached after all the above, the attorney then proceeds to trial. Less than 1% of all of cases go to trial.


In conclusion, an experienced Fair Credit attorney, like those listed on this site, should have a constant objective to do everything possible to secure your total legal recovery and satisfaction.

For a FREE review call us at 888-595-9111 or use our quick contact form.

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Disclaimer: Submitting this form does not establish an attorney/client relationship – that will be established only upon our mutual agreement and execution of an attorney client contract with the law firm to whom your inquiry/submission is referred. As such, information sent in a request for a brochure/information may not be kept confidential and may not be protected by the attorney/client privilege, however, any such information will not be disseminated in any way or for any purpose other than that stated above.

confidential informationThere may be instances where discussing your situation over a public forum could potentially compromise your interests. On these occasions we will contact you directly via email in order to answer your inquiry in a confidential manner.

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