Attorney Handling Fair Credit Violations
Credit reports are notorious for being riddled with errors. Yet they are very important for people's financial future, determining their chances of getting car loans, mortgages, etc. If you are having trouble with a credit reporting agency, the Law Office of Lawrence L. Szabo can help. Contact us for a free consultation if you live in Oakland or elsewhere in Alameda County or Contra Costa County, California.
After Bankruptcy
Errors on credit reports are rampant, but they are especially common after completing a bankruptcy. The credit report should show a "0" balance for any discharged debts. Your creditors and debt collectors should report the discharge of your debts a certain way, but too often, they simply don't.
What to Do
Whether or not a credit report error comes after a bankruptcy, it is then the responsibility of the credit reporting agency (Experian, Equifax, or Transunion) to correct their records. The Fair Credit Reporting Act (FCRA) of 2003 explicitly states that failing to take steps to correct false information is a fair credit violation.
The first step you must take is to send the credit reporting agency a letter telling it about the error. See our Forms page for a sample letter you can use. Frankly, you do not need to hire a lawyer to do this.
However, if the erroneous information is not removed from your credit report you may need the assistance of a lawyer. Attorney Lawrence L. Szabo can take your side and fight the credit reporting agencies on your behalf. Often, such companies will take fair credit violations much more seriously if they are pressured to remedy them by an experienced lawyer, and you may not need to go to court at all.
Contact Us
For a free initial consultation with an attorney knowledgeable about fair credit violations, contact us any time.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
