What we do
FCRA
Fair Credit Reporting Act
Your credit report shapes the rates you pay and the loans you can get. The FCRA requires accuracy, and gives you the power to fix errors and hold reporting companies accountable.
Speak to an Attorney →Why accuracy matters
Lenders rely on your credit history when you apply for a mortgage, car loan, or credit card. A single error can mean a denial or a higher interest rate, and that cost grows over the life of a loan.
Many people do not check their reports until they are about to apply for credit. Reviewing them early gives you time to correct problems.
What the law requires
Credit bureaus such as Equifax, Experian, and TransUnion must follow reasonable procedures to keep reports accurate. When you dispute an error, both the bureau and the company that furnished the information must conduct a reasonable investigation and correct what is wrong.
What you may recover
If a bureau or furnisher fails to follow the law, you may recover actual damages. For willful violations, you may recover statutory damages of $100 to $1,000, possible punitive damages, and your attorney fees and costs.
More of what we do