As you may know, having a good credit score is invaluable. Not only will it dictate whether or not you will be able to obtain a car loan or home mortgage, but it may even strengthen your chances of gaining employment. For this reason, it is vitally important that all of the information on your credit report is accurate. In fact, most financial advisors and consumer advocates suggest that you regularly review your credit report to check for inconsistencies.
In doing so, you can ensure that all errors are remedied quickly and that they do not negatively impacting your financial viability. Under the Fair Credit Reporting Act (FCRA), you are afforded the right to dispute any credit reporting errors. In order to do so, you will need to order a copy of your credit report, check it for inaccuracies and bring any mistakes to the attention of the Credit Reporting Agency (CRA).
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Sending a Dispute Letter to the Credit Reporting Agency (CRA)
If you have discovered that your credit report contains inaccurate and thus, harmful, information, it is highly recommended that you move quickly to send a dispute letter to the appropriate Credit Reporting Agency. In the U.S., this would either be Transunion, Experian or Equifax. While this can be done on your own, The Law Office of Michael P. Forbes, PC suggests that you do so under the advisement of a Philadelphia credit report error attorney.
When you trust in our firm to oversee your case, you can rest easier knowing that all inconsistencies will be rectified with the utmost urgency. We can assist you in drawing up a formal complaint, or even do so on your behalf.
In either case, however, your dispute letter will need to include several different pieces of information, including:
- Your name, address, Social Security Number and date of birth
- The name and address of the Credit Reporting Agency
- A comprehensive list of each inaccurate item on the credit report
- Including a detailed description of how and why it should be corrected
- Any documents that will support your request for a modification
- Including proof of payment, a fraud affidavit, police reports, etc.
- The request that they send supporting documents to the credit furnishers
Can Disputing Hurt Your Credit?
Disputing against false claims on your credit report does not hurt your credit. However, there may be instances when your dispute claim is processed and causes your credit score to change. How the change is determined is depended on the correction of your credit report, it can go up, down, or stay the same.
Assistance for Clients in Pennsylvania
Are you interested in rectifying an inaccurate piece of information on your credit report? If so, it is suggested that you discuss an appropriate course of action with the Philadelphia FCRA lawyer at our firm.
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Michael P Forbes
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Mr. Forbes has always been driven by the desire to help others. With that in mind he began his law career representing indigent families in the Philadelphia family law system for seven years.
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