It can be frustrating to deal with inaccurate credit reports. Not only can errors wreak havoc on your financial and mental wellbeing, but they can sometimes be complex to correct. The good news is that consumers have rights, under the Fair Credit Reporting Act (FCRA), that help ensure credit reporting agencies report accurate information and creditors appropriately reinvestigate disputes. California consumer have a few additional protections under the state's Consumer Credit Reporting Agencies Act (CCRAA).
"Re-aged" debts that are older than reported
Your credit information is "mixed" with someone else's
Reporting an account as active when it was voluntarily closed by the consumer
Misidentification of account type (mortgage loans, installment loans, etc.)
Other generally false information (amounts due, account status, late payments, etc.)
False reporting of debts discharged in bankruptcy - these should usually display a $0 balance, without any delinquencies
It's never too early to call an attorney about credit reporting problems.
Our office offers free consultations.
We can handle many credit reporting cases on a contingency basis - meaning we only get paid if you do.
369 Pine Street, Suite 410
San Francisco, CA 94104