We Fix Credit Report Errors

A recent study by the Federal Trade Center (“FTC”) found that 40 million Americans had errors on their credit reports and 20 million had serious errors on their reports. But only one in five consumers had an error that was corrected by a credit reporting agency after it was disputed. Some of the credit report errors that we see and help correct on a recurring basis include:

• Stale credit information on credit reports, especially old medical debt.
• Judgments or tax liens incorrectly reported, including paid judgments and liens that are not reported as satisfied.
• Incorrect payment histories, which happens often with mortgages and student loans.
• Bankruptcy information incorrectly reported: debts not being reported as discharged in bankruptcy or falsely reported as being included in bankruptcy.
• Identity Theft Issues, which often involves theft by relatives, friends, and ex’s.
• Impermissible credit report requests: requests for credit reports that you did not authorize. This is always a potential problem when you apply for a car loan. Each impermissible hard credit inquiry could decrease your credit score by up to five points.
• Credit information that is not yours, e.g. information belonging to someone else, including relatives like parents or siblings, spouses and ex spouses, and complete unknown strangers.

These and other errors could be costing you thousands of dollars by causing you to be charged more for credit, to pay higher insurance rates, to be denied credit, or to lose a job or an apartment. If you have or suspect that you have errors on your credit report, please call or email us today for a free credit report review and consultation.