Credit Error Report Sue
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Score How To Dispute Credit Report Lexington Law Review CreditRepair.com Review Credit Reports & Score Free Credit Score Free Credit Report false credit reporting lawsuit Card Credit Reports Credit Scores Credit Monitoring Identity Theft Protection Loans All Loans how to sue the credit bureaus and win every time Personal Loan Debt Consolidation Auto Loan Auto Insurance Student Loan Loan Calculators Advice News Credit Cards Credit Repair suing creditor for incorrect reporting Credit Reports Credit Scores Managing Debt Personal Finance Student Loans Mortgages Loans Taxes Financial Tools Sign Up Log In Featured by: 20 Best Money Websites Top 10 Innovative Sites × Home credit damage lawyers > 2014 > Credit Score > Can I Sue If a Credit Report Error Hurt My Score? Can I Sue If a Credit Report Error Hurt My Score? Advertiser Disclosure March 7, 2014 by Gerri Detweiler 0 Comments We often encourage readers to get their free annual credit reports, learn to read them, check them for errors and dispute any information
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that is inaccurate. It sounds so simple. But readers tell us that getting information corrected -- or even keeping it corrected -- isn't always easy. Our reader JG found errors, disputed them, and now has a fully corrected credit report. His credit report had a wrong date of birth and a $20,000 balance on a credit card that actually had a balance of zero -- and had for a year. JG's credit score was 715 as a result of the mistakes, he says. That score has now risen to 786. JG did not say which credit score he was looking at -- and that matters. Using one of the scores used in Credit.com's Credit Report Card (a free tool that updates two of your scores every month), JG's scores would have dropped from the "excellent" range down to near the bottom of the "good" range.) JG's question: "Do I have any recourse?" We asked consumer lawyer Leonard Bennett. His answer? Maybe. Get Your Free Credit Score & Monitoring Plus Weekly Updates From Our 50+ Experts Get It Now Privacy Policy The Impact of Credit Repo
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Money & Credit Deals & Savings Cars Mobile & Electronics Insurance Travel remove inaccurate information from credit report letter Business & Entrepreneurs Protect Your Rights & Identity Education Jobs & Military Life Health Homes & Real Estate Scams & suing a creditor under fcra Rip-Offs Shopping & Retail Back-To-School See All Topics + Clark's Topics How to fix errors on a credit report Clark Howard Saturday, May 16 th 2015 Home / Money & Credit / http://blog.credit.com/2014/03/can-i-sue-if-a-credit-report-error-hurt-my-score-77461/ How to fix errors on a credit report 0 Comments Share This Article Remember the woman who sued Equifax for $18 million because they wouldn't fix errors on her credit report even after she diligently stayed on top of them for 2 years? Having black marks on your files could mean denial of job offers, higher interest rates on loans, higher insurance rates, or outright http://www.clark.com/challenging-errors-your-credit-report denials for credit. Disputing an error on your credit report is difficult, but it can be done. But first, let me back up and explain that AnnualCreditReport.com is the only legit and official site to get free access to your credit reports once a year. When it comes to credit checks for a job, an employer has to tell you they will check your credit and you have to sign off on it. If they make an adverse hiring decision based on your credit, they must tell you that's the reason why. If you know there are black marks on your credit, be proactive and tell your potential employer before they check. Don't let it be a surprise to them. Coming clean like that is a great way to build trust. And just like the woman who sued Equifax, if you're getting pushback when you ask for errors to be removed, you don't roll over and play dead. You've got to document, follow-up, document again, follow-up again...and then take it to the next level if necessary! Follow this advice to dispute an error on your credit report File your dispute at the
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about 80% of people in the United States have credit report errors. Those statistics are from 2009, so it's likely that those numbers are higher in light of the rampant mortgage-related issues over the past few years.Under the Fair Credit Reporting Act, nobody is allowed to furnish inaccurate or incomplete information about you to a consumer reporting agency. Furnishers of information (typically creditors and debt collectors) have a legal duty to investigate disputes regarding credit report errors, as well as to prevent identity theft and protect sensitive medical information.If you have errors on your credit report, there are a few things you can to do to fix the problem.4 Simple Steps To Take If You Find Credit Reporting ErrorsIf you think there are errors on your credit report you should take these simple steps:get copies of all three (3) major credit reports - Experian, Equifax and TransUnion;review every line of every single report - remember, not all credit reports say the same things;if there's an error on a report, file a complaint with the CFPB as well as a request for investigation with each credit reporting agency;review the updated credit reports to ensure that the errors are corrected.If You Find An Error on Your Credit ReportFederal law provides a mechanism for you to dispute an inaccurate or incomplete information on your credit report. The process is simple: notify the credit reporting agency of the error and request that the company investigate it on your behalf.Sending a letter or calling the creditor or debt collector doesn't trigger any of your credit reporting rights.Though this takes some time and effort, most disputes result in getting the error resolved.In addition, you have a right to sue not only the furnisher of information but also the credit reporting agency for damages if the errors continue after the dispute process.Get the Government InvolvedThe Consumer Financial Protection Bureau has been the primary enforcer of the Fair Credit Reporting Act since 2012. Since that time, the consumer watchdog has handled approximately 105,000 credit reporting complaints.The problems appears to be worsening, with complaints about credit reports up 45 percent nationally in the past year. The most common of those complaints revolve around incorrect information in their reports.If you've gone through the dispute process under federal cr