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.