We represent consumers who have problems with their credit reports. The most common problem in credit reports are inaccuracies such as false reports that the consumer was over 30 days late paying on an account. There are many other types of inaccuracies that appear on credit reports.
The credit reporting agencies sometimes combine the consumer’s credit files with those of another person resulting in “mixed files.” Consumers whose files are mixed sometimes have extreme difficulty getting the credit reporting agencies to unmix the files.
Victims of identity theft often find accounts on their credit reports that do not belong to them.
The only persons who may look at a consumer’s credit report are those to whom the consumer asked for credit or have obtained the consumer’s permission. Companies that violate the law in this respect are liable for damages.
In handling FCRA cases, we typically sue the three major credit reporting agencies -- Experian, Trans-Union and Equifax – and the banks or other creditors that have provided inaccurate credit information to the agencies.
We handle these cases on a contingency fee basis so you do not have to pay our fees. Under the FCRA, if the plaintiff wins the case, the defendants that violated the FCRA must pay their fees and costs. If we think you have a good case, we will take it on a contingent fee basis.