Having good credit is about more than being able to get a credit card. It can have a direct impact on your ability to qualify for a mortgage, a car loan, affordable insurance – even a job. Yet every year, millions of errors wind up on credit reports – many of them serious enough to have a major impact on your financial life and well-being.
The Fair Credit Reporting Act (FCRA) was established to protect consumers, providing strict guidelines that establish how credit information is collected, distributed, and verified (a key part of the process of error resolution). Under FCRA guidelines, if you find an error on your report, the reporting agency must follow specific guidelines to investigate the error and have incorrect information removed from your report in a timely fashion. If they fail to do so, you may be able to file a claim to recover damages you suffer as a result.
Kellett & Bartholow PLLC helps clients enforce their rights and collect any damages they incur as a result of improper credit reporting. We understand the vital importance of good credit, and we also understand the laws designed to protect consumers from improper and illegal practices. Don’t let credit report mistakes ruin your financial future. Contact Kellett & Bartholow PLLC today and learn how we can help you protect your credit and your rights.
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