Credit Reporting Agencies Los Angeles

Protecting Your Rights The Fair Credit Reporting Act:

We can clean up your credit record and make it error-free!

If your credit report contains out-of-date or erroneous information, you may have an unfairly low credit score. Thankfully, you have the legal right to get these errors corrected by credit reporting companies, allowing you to improve your credit score and cut your interest rates. Credit reporting agencies and creditors aren’t always cooperative, which is where we can help.

We battle tirelessly for consumer rights at Consumer Counsel Group, and we can help you remove objectionable inaccuracies from your credit report promptly and painlessly.

Protect Your Rights with the Fair Credit Reporting Act

You have the right to request companies to fix any errors on your credit report under the Fair Credit Reporting Act (FCRA), but if you’re hitting a brick wall, let us help.

Our team of competent and diligent attorneys will set to work cleaning up your credit report in as short as two weeks by taking the agencies and creditors to the task. In addition to damages, you may be entitled to $1,000 per violation if these entities fail to fix inaccuracies within a reasonable timeframe. Consumer Counsel Group has helped clients recover millions of dollars, and we can help you, too, whether you are the identity theft victim or simple misreporting.

What can we do to assist you?

Do not entrust your disputes to a credit repair company; instead, come to our firm and allow some of the most outstanding lawyers in the country to battle for you! We deal with clients all around California, and we hope to work with you. For a free consultation, contact 323.937.0400 today.

Your credit report is becoming more and more important in everyday life. It can impact your ability to qualify for credit cards, mortgages, car or student loans. With them becoming more readily available to individuals, they may even effect your ability to get a job or rent an apartment. Now, more than ever, its important that all consumers be aware of what is listed on their credit reports and make sure that the information listed there is correct and, if errors are found, they are addressed prior to applying for credit.

It is highly recommended that once a year everyone visit www.annualcreditreport.com and make sure that there are no outdated negative credit events listed on the credit report. If there is, you have the right to dispute those entries and have them corrected or removed in a timely manner. If the error is not adjusted, then you may have the right to seek reparations under the Fair Credit Reporting Act (FCRA). The summary of rights under the FCRA are as follows:

• DISCLOSE YOUR CREDIT FILE TO YOU UPON REQUEST.

  Consumer reporting agencies must provide you the information in your file if you request it and provide the agency with proper identification.

• DELETE OUTDATED INFORMATION.

  In general, negative information that is more than 7 years old (10 years for bankruptcies) must be removed from your file.

• LIMIT ACCESS TO YOUR INFORMATION.

  A consumer reporting agency may not provide your credit report to any party that lacks a permissible purpose, such as the evaluation of an application for a loan, credit, service, or employment. Permissible purposes also include several business and legal uses.

• GET YOUR CONSENT BEFORE PROVIDING YOUR INFORMATION TO AN EMPLOYER.

  A consumer reporting agency may not provide your credit information to an employer or potential employer unless you first give that employer written permission to request your credit report.

• INVESTIGATE DISPUTED INFORMATION.

  If you tell a consumer reporting agency that your file contains inaccurate information, the agency must promptly investigate the matter with the source that provided the information. If the investigation fails to resolve the dispute, you may add a statement to your credit file explaining the matter.

• CORRECT OR DELETE INACCURATE INFORMATION.

  A consumer reporting agency must correct or, as the case may be, delete from your credit file the information that is found to be inaccurate or can no longer be verified. The consumer reporting agency is not required to remove accurate data from your file unless it is outdated.

• REMOVE YOUR NAME FROM MARKETING LISTS UPON REQUEST.

  You can request that the three nationwide consumer reporting agencies not share your information with creditors and insurers by calling: 1-888-5-OPT OUT.

• DISCLOSE YOUR CREDIT SCORE TO YOU UPON REQUEST.

  You have the right to request a credit score about you. In some mortgage transactions, you will get credit score information without charge by contacting the person making or arranging your loan for further information.

• ADD IDENTITY THEFT AND ACTIVE DUTY ALERTS.

  Identity theft victims may place fraud alerts and active duty military personnel serving away from their regular duty station may place “active duty” alerts to help prevent identity theft.

• REMEDYING THE EFFECTS OF IDENTITY THEFT.

  If you are, or believe that you are, the victim of identity theft, you have specific rights under the FCRA. These rights will help you deal with the effects of identity theft.