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At FCA, we work to help consumers directly, but we also work in concert with
Mortgage Brokers and Credit Repair Professionals
FCA Handles Cases Involving:
Our fair credit report attorneys have decades of experience in consumer protection laws and have helped consumers to recover millions of dollars.
Our lawyers help clients with issues involving all types of inaccurate consumer reporting, from inaccurate credit reports to erroneous employment background checks, we are the attorneys who can help you clear up any discrepancies.
We are not a Credit Repair company who will help raise your credit score; we are attorneys who will go to Court and fight for your interests.
The Federal Trade Commission estimates that 25% of consumers have an error on their credit report. These errors could be preventing you from getting the credit that you deserve.
If you need help removing errors from your credit report, contact FCA for a free consultation today to see if we can help.
Credit Report Lawyer Services
CREDIT REPORT ERRORS
If you dispute an inaccurate item on your credit report and the credit furnishers and reporting bureaus refuse to remove it, you may have a damages claim that an FCA credit reporting lawyer can help you file with no cost to you.
If you inform the credit furnishers and bureaus that your identity was stolen, they have the duty to due a reasonable investigation of your claims and correct your report. If they refuse to do so, you may have a claim under the Fair Credit Reporting Act for cash damages, actual damages or even punitive damages.
EMPLOYMENT BACKGROUND CHECKS
Were you denied a job based on information in your background check? If you have false statements on your credit report from background check companies, a FCRA lawyer can help you to file a lawsuit, dispute errors, and recover damages with no cost to you.
If you were denied a mortgage because of an error on your credit report, FCA may be able to help. We can dispute the report, and if the credit furnishers and credit bureaus won’t fix the inaccuracies, we can help you get the damages you deserve under the FCRA at no cost to you.
Bankruptcy is a difficult decision and once you’ve made it, you deserve a second chance. However, too many consumers emerge from bankruptcy only to find that creditors and credit reporting bureaus are still showing debts eliminated by the bankruptcy as unpaid.
Are you a Mortgage Broker?
If you are a Mortgage Broker Professional whose client is “this close” to a loan, but just can’t seem to get an error off their credit report, we may be able to help.
What's the "Turndown Turnaround"?
The “Turndown Turnaround” is our method for getting a would-be borrower back into your office and into a mortgage loan. Rapid identification of credit report errors, targeted dispute letters and effective legal representation can do wonders to help both you and your clients achieve their goals. If you’re interested, contact us; we’d love to set up a time to talk.
FCRA Lawyer - Who we work with
We work with Consumers, Bankruptcy Attorneys, Mortgage Brokers & Credit Repair Professionals.
CONSUMER Credit Reports
At Fair Credit Attorneys, we help clients with issues involving all types of inaccurate consumer reporting, from inaccurate credit reports to erroneous employment background checks, we are the attorneys who can help you clear up any credit dispute or discrepancies.
At FCA, our credit reporting act lawyers have established referral arrangements with Bankruptcy Attorneys that allow us to pick up where your Bankruptcy firm left off. Do you have clients with post-discharge credit report errors? Contact us, today.
If you are a Mortgage Broker Professionals whose client is “this close” to a loan, but just can’t seem to get a false report off their credit report, an FCRA attorney at FCA may be able to help.
credit repair organizations
A wide variety of clients need help with their credit. While some have a long road ahead to reestablishing credit worthiness, some have a very limited number of bona fide errors that are preventing a specific credit goal.
Fair Credit Reporting Act Attorneys
The Fair Credit Reporting Act (FCRA) shields consumers from mistreatment by credit reporting agencies (CRAs) while enabling lenders and others to use credit reports to assess a person’s creditworthiness. CRAs, also known as credit bureaus, gather information from a person’s credit history, such as bill payment patterns and timing. The major credit reporting agencies include Equifax, Experian, and Trans Union. Landlords, employers, and other entities use this data to make decisions on renting apartments or lending money. However, incorrect or incomplete data in a person’s credit report can harm them. If you are facing a lawsuit from a credit card collection agency, credit reporting agency, or the credit bureaus, or are a victim of other Fair Credit Reporting Act violations, contact an FCRA lawyer in Chicago at Fair Credit Attorneys for assistance with any credit report dispute. We can help you with FCRA violations, credit report problems, negative information, incorrect information, false reporting, credit denials, disputed information, and help dispute inaccurate information that could cause you financial harm.
Can I file a lawsuit for FCRA violations?
“Credit repair” firms offered services or products that promised to fix a person’s credit report, allowing them to start anew and improve their credit scores. However, these “quick fixes” were too good to be true and could not have delivered what consumers needed legally. Even though consumers paid these companies, negative credit information remained on their credit reports for the legal time periods, usually between 3 to 7 years. Additionally, debt collectors still contacted them, causing emotional distress, inability to obtain credit, and embarrassment.
The Federal Credit Repair Organizations Act is a consumer protection federal law enacted in September 1996 to represent consumers. This statute prohibits credit repair organizations from misleading or misrepresenting their services and engaging in fraudulent activities. The Act also prevents credit reporting agencies from sharing your credit score, a person’s credit information, credit accounts, or other information without your permission. Incorrect data and false information in credit reports from credit agencies harms Americans, but you can sue to receive compensation for damages suffered with the assistance of an FCRA attorney.
Under the Fair Credit Reporting Act, you have the right to accurate information and equitable credit file reporting from the major bureaus. If the credit bureaus, a creditor, or another entity violates the Fair Credit Reporting Act, you can sue. You have up to two years from the date you discovered the Fair Credit Reporting Act violation to sue. However, in some cases, you may have up to five years from the date of the violation to file a lawsuit. Therefore, contact a credit report attorney at Fair Credit Attorneys so we can determine the statute of limitations that applies to your case.
What is the maximum amount of actual damages that can be awarded in an FCRA lawsuit?
If your Fair Credit Reporting Act rights are violated, you may be able to receive actual damages, punitive damages, and attorneys’ fees. The amount and type of damages you receive depend on whether the violation was intentional or due to negligence. If you can prove that a CRA or another entity violated your Fair Credit Reporting Act rights, didn’t use written permission or reasonable procedures, you may recover actual damages, which have no limit, or statutory damages ranging from $100 to $1,000. In cases where an individual violated your rights and obtained a copy of your free credit report from one of the credit reporting companies by lying or used it fraudulently in a case of identity theft, your damages may be greater than your actual damages or $1,000. Actual damages refer to provable financial losses that you suffered as a result of the violation.
What are statutory damages?
To establish willful violation, your attorney must prove that the violation was reckless and that the person or entity knew about it. In some cases, there are multiple credit file report cases against a single defendant that could include hundreds of violations. Statutory damages during this complex process can be awarded when the same defendant commits multiple violations against various victims.
What are the most common credit report errors?
The top three errors that can occur on your credit report by a credit bureau are typically caused by incomplete or inaccurate information in your credit file. These errors usually include:
- an incorrect address
- a misspelled name
- an entirely wrong name
However, according to the Consumer Financial Protection Bureau, there are other common errors to watch out for, such as incorrect dates for payments or account openings, closed accounts that are still listed as open, or false credit reporting of accounts that are falsely reported as delinquent or late. Another common mistake is when someone is mistakenly reported as the account owner instead of an authorized user. If you pull your free credit report and discover an error, it is possible to dispute it with the credit bureau by collecting evidence and submitting a letter explaining the mistake. The major credit bureaus offer an online dispute process that outlines the required documentation for verifying your identity and correcting the erroneous information.
Call Fair Credit Attorneys Today
1 (866) 825-6787