Inaccurate Credit Report

Many people might not even realize their credit score until it’s time to apply for a home or car loan and they do the research on their own. Finding out that there’s a mistake listed on your credit report, however, is not something you should ignore. It is a serious situation that warrants a response from you. The sooner that you can take action to protect your credit score and your future, the better position you will be in. It might seem confusing or overwhelming to fix this on your own, but you are well within your rights to take action to have the inaccurate details removed.

Why Your Credit Score Is So Important

Most people are aware that there are many benefits to having a good credit score. It can help to dictate whether or not you will be able to obtain a home mortgage or a car loan, and it can even increase your chances of obtaining gainful employment. For this reason, it is essential to ensure that all of the information on your credit report is accurate. Most consumer advocates and financial advisors recommend that you regularly review your credit report in order to identify inconsistencies.

In the event that an inaccurate piece of information is listed on your credit report, you need to understand the legal rights that you have. This allows you to contact an experienced inaccurate credit report attorney to ensure that all errors are remedied as quickly as possible and that they do not influence any of your financial goals. 

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Your Legal Rights When There’s a Mistake on Your Credit Report

According to the Fair Credit Reporting Act, you have the right to dispute any credit reporting errors. In order to do this, you will need to obtain copies of your credit reports, evaluate them for inaccuracies, and then bring those mistakes to the attention of the credit reporting agency. It is highly recommended that you send a dispute letter to the right credit reporting agency. An attorney can assist you with this process to ensure that you complete everything promptly and effectively. When you trust in our Kansas City law firm to oversee your case, you have great peace of mind knowing that all the inconsistencies will be rectified with appropriate accuracy and urgency.

We can assist you with all stages of addressing an error on your credit report, including putting together a formal complaint on your behalf. Whether or not you have drafted your own material and whether or not you would like us to complete it for you, your dispute letter needs to include several different key pieces of information in order to be taken seriously. These include:

  • The name and address of the credit reporting agency in question
  • Your social security number, date of birth, name, and address
  • Any documents that support your request for a modification of details, including police reports, proof of payment, and fraud affidavits
  • The request that supporting documents be sent to any credit furnishers

In the event that you are concerned about rectifying an inaccurate piece of information currently on your credit report, taking the appropriate course of action by retaining legal counsel sooner rather than later gives you the peace of mind and the confidence to know that your issue is being managed effectively. You should never hesitate to get the help that you need in this particular situation. 

Since the impact of a credit report can influence you for many years to come, it is important to gather all of the evidence and consult with an attorney sooner rather than later. Our law firm can help you with your legal claim. Don’t wait to reach out to get the details you need.

Kansas City Bankruptcy and Inaccurate Credit Report Attorneys

If there’s a mistake on your credit report, it could be preventing you from moving forward with your life. Patton & Knipp helps clients with all stages of the bankruptcy process in Kansas City, including providing help with inaccurate credit reports and fixing those mistakes.