Credit Report Attorney in Miami
Our Experienced Attorneys Protecting Your Best Interests
Legislatures passed the Fair Credit Reporting Act (FCRA) to protect consumers’ financial and credit histories, in addition to their reputation. The FCRA applies regulatory standards to credit information is collection, storing, as well as distribution. Additionally, the FCRA enables consumer, financial institution, and potential employer access to individually specific information.
Credit reporting errors demonstrate various consequences regarding your financial future. Your credit score plays a vital role in credit card and loan approval, and can also affect your insurance rates and whether or not you receive employment for certain jobs. Credit bureaus make mistakes. These can take the form incorrect information belonging to another individual, wrong debts owed, or debt reporting continuation when a debt is already paid off. Failure to remove this information after notifying a credit bureau is a direct violation of the FCRA. When this happens, you possess the right to seek a claim to correct these errors.
The FCRA requires credit bureaus like Equifax, Experian, and TransUnion perform an investigation when they receive a consumer dispute. The idea behind this requirement is the correction of inaccurate and incomplete information disputed by an individual. If you find yourself in a situation where a credit bureau will not remove the information, a credit report attorney in Miami can help.
Mistakes in Credit Reporting, and Identity Theft
A credit reporting agency (CRA) is a large, impersonal firm. They do not handle the situation with the consumer directly, instead electing to utilize subsidiaries that provide them with credit information. The CRA only distributes the information.
This information relationship can lead to a variety of inaccuracies on an individual’s credit report. It is always important to meticulously review your credit report as well as history. This ensures that all this information is accurate. For example, when you move to a new area, your credit information could show an error regarding another person’s information that previously resided at your address.
Identity theft additionally results in numerous credit score inaccuracies. This is a growing problem in the United States, and our identity is vulnerable any time a credit or debit card is used. If someone employs this information to open an account, significant credit damage can occur without your knowledge.
What to do if your Report is Inaccurate
If you determine inaccurate information exists on your credit report, the first step is sending a certified letter to the CRA. Ensure you return receipt request, and reference the credit report and inaccurate information accurately. It is additionally useful to provide any documentation regarding the correct information and a current telephone number in case it is needed for further information provision. Make a copy of the letter and any accompanying information for your own records. The CRA is equipped with 30 days to investigate the dispute and respond to your inquiry after they receive the letter. If the CRA fails to correct the information in question, enlist the services of a credit report attorney in Miami.
You Possess the Right to Challenge Credit Report Information
A consumer is equipped with the right to contest any information on their credit report. You could feel that the information is in error, inaccurate, or misrepresented. If you discover inaccuracies on your credit report, legal assistance is necessary to correct those errors, effectively clearing your name.
At the Law Offices of Paul A. Humbert, P.L., we assist clients fighting to correct their credit reports. The CRAs and subsidiary companies make minimal effort to investigate claims. However, our firm provides research assistance and evidence discovery to clear your name, additionally correcting your credit score.
We also lend our services to represent parties who experience rejection when their employers utilize their credit report without notification. When an employer declines to provide employment, for this reason, this is illegal. Our firm can hold this employer liable for these actions.
Did a Company Charge you to fix your Credit before Rendering Services?
Harmed by a credit repair firm? You could possess the right to a claim under the Credit Repair Organizations Act. This act specifically prohibits companies from charging you for services before completion. It protects consumers from deceptive, misleading, or other misconduct from credit repair firms.
Victimized by identity theft due to unlawful disclosures on your credit report? We can also assist you to understand your options to protect your rights. A credit report attorney in Miami from the Law Offices of Paul A. Humbert, P.L. invests their time to understand their clients’ needs. We keep you informed through each step of the process, helping you feel fully involved in your case.
Find a Credit Report Attorney in Miami from the Law Offices of Paul A. Humbert, P.L.
Are you or a loved one experiencing issues regarding your credit report, an employer, or credit reporting agency? For more information about how a credit report attorney in Miami can represent your interests after FCRA abuse, contact our firm today. You can schedule a consultation with one of our attorneys. We handle small cases with individual clients, as well as large cases nationwide. Our team can additionally work harmoniously in co-counsel with other attorneys.
Our attorneys can advocate on your behalf in a court of law, and clear your name of erroneous credit reporting. Your credit is important for your life, your representation in these matters must be as well.