What Is The Role Of An Attorney In Credit Reporting Error Cases?


The role of an attorney is really two parts. Initially, the attorney can help to give guidance on how to make an initial dispute of erroneous information on a credit report. That dispute will go to each of the three credit bureaus, who in turn should review that information with the company that provided it. In the event that the credit bureaus do not correct erroneous information, then the attorney would go on to the second stage, which would be to file a lawsuit against the appropriate parties.

Who Do You Represent In These Cases?

We represent consumers who have erroneous information on their credit reports. I do want to make a distinction in that with my firm, we would only pursue information that is, in fact, inaccurate on the credit report, as opposed to all negative information on the report.

What Are Some Skills, Experience And Knowledge That Are Essential To Practice This Area Of Law?

There are a few skills that are very important to prosecuting lawsuits based on credit reporting errors. First of all, the set of laws that give rise to these lawsuits, which is known as the Fair Credit Reporting Act, is a very technical set of laws, and it is important to have familiarity with that legal set when pursuing these types of claims. It’s also important to have experience in lawsuits with credit reporting agencies because they have their own terms and their own sets of information. If you’re not familiar with how to look at that information, then it may be confusing.

It’s also important to understand the values of our consumer clients. At the end of the day, our goal is to do our best to make our clients whole in light of difficult circumstances and oftentimes the struggle to get on their feet financially. We want to make sure that we’re doing right by them.

Can I File A Lawsuit Against A Credit Reporting Agency?

A consumer technically can file any lawsuit on their own, but it generally isn’t a good idea for a consumer to represent himself or herself against credit reporting agency. I want to break that out into a few components: First, lawsuits against credit reporting agencies and for credit reporting errors are highly technical lawsuits. While there are some legal proceedings in the court systems that may be relatively straightforward and that consumers might be able to handle on their own, self-representation is to be discouraged when it comes to credit reporting cases because they are such technical cases. Moreover, the laws that support lawsuits for credit reporting errors provide for the winning party to recover their attorney’s fees, so usually, a consumer can find attorneys who can take this case without anything directly out of pocket. You can be sure that the credit reporting agencies will have their own attorneys, so when there are attorneys available on a contingent basis, a consumer should have their own attorneys too.

What Is The Statute Of Limitations For A Credit Reporting Error Case?

The statute of limitations for a credit reporting error case is two years, so it’s important that the consumer is proactive.

What Components Constitute A Viable Credit Reporting Error Case?

Each credit reporting case is unique, but there some common types of errors: A credit report may be miss-reporting whether payments were missed (or specific months of missed payments), the report may have completely wrong accounts on it, it could be an incorrect balance, or it could show the wrong account status (like if a report does not show an account to be “discharged” after a bankruptcy).

The impact of a credit reporting error can also be a factor in a case. If the error is preventing someone from obtaining an important loan, then that may be a distinguishing factor. If the error results in denied employment or denied occupancy, in the case of an individual looking to rent a property, that can make for unique circumstances. It’s a combination of how egregious the error is and how careless the company was that left the error to remain on the credit report, but also the impact that the error had on a consumer that had to deal with it.

Credit Report Dispute Attorney

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