Credit Report Disputes We can help you find the errors on your credit report at no out of pocket cost to you. We will help you pull you credit, find errors, and dispute them for free. If the bureaus do not fix errors, we can help you by filing a civil actual to make them fix the errors. We only get paid of the credit bureau pays you. Issues with credit reports are extremely common. Many credit reports are full of unknown errors, and those errors, if left undetected, could be costing you money in the form of increased interest, higher house and car payments, and even in the form of increased automotive and homeowners insurance costs. We can help you navigate the consumer dispute process with the credit bureaus at no out of pocket cost to you. We have successfully helped dozens of consumers remove disputed credit information for their credit report, and when the agencies do not remove inaccurate information, we can make them fix it. We have successfully litigated numerous credit report related cases, and we only take a fee if we get you money. So, if you have a credit report dispute, let us help you dispute it the right way. Common types of credit reporting errors include: Failing to properly report accurate payment histories. Identity Theft Reporting the same debt twice (double jeopardy) Mixing up your credit information with that of somebody else. Failing to remove inaccurate information after a dispute. Reporting debts that are older than 7 years. Reporting of information that is just plain wrong, and the bank should know it. Finding Errors on Your Credit Report There are a number of ways to find errors on your report. First, pull your full credit reports from www.annualcreditrport.com for all three credit bureaus. Make sure you review them fully. Watch out for things like: Incorrect payment histories. Credit Reports often have incorrect payment history information, including entries which state you were 30 days or more late when you were not, or perhaps you were late because of a mistake by the lender. Those kinds of entries need to be corrected.
 Double Reporting. Many companies will report a debt as delinquent, sell the debt, and leave the original report on your credit report resulting in your credit being dinged twice by the original creditor and its new owner. If the original creditor no longer owes the debt then they need to walk away and let the new owner report the debt.
 Reporting someone else's credit information on your report. It is not uncommon for credit information from someone else to end up on your credit report. Credit bureaus often mix folks up in their databases, and the person your file is mixed up with may not have the best credit history. Fixing this problem often requires professional help.
 Identity theft. If your identity has been stolen, truly shocking things can start to appear on your credit. In fact, it is not uncommon for thieves to get into your credit card accounts, change the addresses, and have new cards issued to themselves. This can be disastrous for your credit and can cause huge headaches. We can help set the record straight. Identity theft cases often need professional help as they are extremely complicated. And, there are many more. Let us help you fix your credit and get you the accurate report you deserve. Call today! Our consultations are free, and we do not charge you unless we get money for you. (877) 282-5479. .

Klein & Sheridan, LC, your local consumer and bankruptcy law office.

K&S

Klein & Sheridan, LC has been serving the needs of our community for more than thirty years.  We are proud of our commitment to serving consumers in the tri-state area.  Contact us today for a free consultation to see if we can help make a difference for you.

Desktop Site