Credit Report Repair FAQ
Question: I found a mistake on my credit report and what do I do know?
Answer: The Fair Credit Reporting Act has strict requirements on what you must do. You must first write dispute letters to the credit reporting agencies. Writing to the creditor directly is usually a waste of time.
Question: Can I recover money for the damages done to my credit?
Answer: Yes. You can recover statutory damages and actual damages such as denial of a loan, higher rates paid for a mortgage, etc.
Question: My credit score is so bad right now that should I even worry about it?
Answer: Absolutely. Even if you don’t think you will be making a purchase soon that requires good credit, it is too important to not worry about fixing it. Many employers now check your credit. We have clients who were denied a great new job because of errors on their credit report. You need to work on this now to protect your future.
Question: Can I do this myself?
Answer: Yes you can but most of our clients have found the process to be complex and overwhelming due to the games the credit reporting agencies and creditors play. They will use stall tactics or just plain not fix their mistakes and hope you go away. Very few consumers get an attorney and they know this.
Question: Do you file lawsuits against the credit reporting agencies and creditors?
Answer: Yes, we have filed lawsuits against every major credit reporting agency-Equifax, Trans Union, and Experian. We are have settled large class action cases against them for credit reporting abuses. We have successfully settled claims against creditors like Bank of America, Macy’s, Capital One, Chase, Suntrust, GMAC, only to name a few. Most cases are handled on a contingency basis.
Our Miami-Dade office is conveniently located in the Coconut Grove and Coral Gables area of Miami, just off US-1 and Coral Way.
Call 305-537-9100 today for a FREE consultation with an experienced attorney, not a paralegal.
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It's Time to Protect Your Rights - Call 305-537-1100 today