Disputing Credit Report Errors in Philadelphia

My Credit Report Contains Inaccurate Information – What Now?

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 impact 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.