Inaccurate Credit Reporting Aggressive Representation for Clients Nationwide

Credit Report Lawyers

We Serve the Entire Country

Errors in your credit report can have severe consequences, impacting your ability to secure loans, obtain favorable interest rates, or even get a job. At The Consumer Lawyers PLLC. The accomplished credit report lawyers in our Tampa offices help clients across the United States dispute and correct inaccuracies in their reports. 

Call (888) 315-3150 or contact us online today to schedule a free consultation.

Common Errors in a Credit Report

Credit reports can contain a variety of mistakes that negatively impact your financial standing. Some of the most common errors include:

  • Incorrect personal information: This can range from misspelled names to incorrect addresses, Social Security numbers, or birthdates. These errors can lead to confusion and misattribution of credit history.
  • Accounts that do not belong to you: Sometimes, accounts from other individuals with similar names or Social Security numbers may appear in your report. This can significantly affect your credit score and overall credit profile.
  • Duplicate accounts: The same debt might be listed multiple times, making it appear as though you owe more than you actually do. This duplication can be misleading and detrimental to your creditworthiness.
  • Outdated information: Old debts that have been paid off or settled might still be shown as outstanding. A credit report that gives up-to-date information is needed for an accurate financial assessment.
  • Incorrect account statuses: Accounts may be incorrectly marked as late, delinquent, or in collections, even when they are current. These inaccuracies can unfairly lower your credit score.
  • Errors in account balances: Mistakes in reporting the balance of your accounts, such as showing higher amounts than what you actually owe, can affect your debt-to-income ratio and credit utilization rate.
  • Inaccurate credit limits: Incorrect credit limits on revolving accounts can misrepresent your credit utilization, potentially lowering your credit score.

Your Dedicated Advocates in the Fight Against Giants

Here's What Sets The Consumer Lawyers Apart
  • Clients Come First

    treat you how we would want to be treated, which means giving every client our personal cell numbers and fighting for you like family.

  • Results Matter

    We don’t take low ball offers and we don’t back down. We fight to get you every dollar you are entitled to under the law.

  • Your Champion in the Fight

    Our team has the resources, legal knowledge, and experience necessary to stand up to big banks and major corporations for you.

  • Committed to Your Case

    We only take a fee if we win, which keeps us invested in your case and lets us stand up for those who otherwise couldn’t afford a lawyer.

Your Rights Under the Fair Credit Reporting Act

The Fair Credit Reporting Act (FCRA) provides you with important legal rights regarding the accuracy, fairness, and privacy of information in your credit report. 

These rights include: 

  • The right to access your credit report: You are entitled to one free credit report every 12 months from each of the three major credit reporting agencies (Equifax, Experian, and TransUnion). This allows you to monitor your credit regularly and catch errors early.
  • The right to dispute inaccuracies: If you find any incorrect or incomplete information in your credit report, you have the right to dispute it with the credit reporting agency. They must investigate your claim within 30 days. We can help. 
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