Credit Report Errors
LAW OFFICE OF MARK
MCCLURE, PS
MCCLURE, PS
 | Credit Reports & Credit Scores | |
Click on the links below to read about your right to an
accurate credit report, how to order a free credit report and
tips for improving your credit report -- legally and for free.
Includes sample letters that you can use to correct mistakes
on your credit report!
Inaccurate information often appears in consumers' credit
reports. One-fourth of the credit reports have serious errors in
them. These errors could result in your being denied a credit
card, an insurance policy, a job or a mortgage. If you aren't
aware of the errors until you apply for the new credit, loan or
job, you may not be able to get the report corrected in time.
That's why consumers should check their credit reports from
time to time, and especially before applying for a major loan
or a mortgage.
Under the Fair Credit Reporting Act ("FCRA"), credit
reporting agencies and creditors have a duty to correct
inaccurate information. There are some simple steps you can
take yourself to correct inaccurate information. Failing that,
federal law allows consumers to sue to recover their actual
damages, statutory penalties, and attorney’s fees and costs for
violations.
accurate credit report, how to order a free credit report and
tips for improving your credit report -- legally and for free.
Includes sample letters that you can use to correct mistakes
on your credit report!
- Annual Credit Report Request Form (PDF)
- Sample Credit Report Dispute Letter (MsWordtm)
- Sample Credit Report Dispute After Bankruptcy Letter
(MsWordtm)
Inaccurate information often appears in consumers' credit
reports. One-fourth of the credit reports have serious errors in
them. These errors could result in your being denied a credit
card, an insurance policy, a job or a mortgage. If you aren't
aware of the errors until you apply for the new credit, loan or
job, you may not be able to get the report corrected in time.
That's why consumers should check their credit reports from
time to time, and especially before applying for a major loan
or a mortgage.
Under the Fair Credit Reporting Act ("FCRA"), credit
reporting agencies and creditors have a duty to correct
inaccurate information. There are some simple steps you can
take yourself to correct inaccurate information. Failing that,
federal law allows consumers to sue to recover their actual
damages, statutory penalties, and attorney’s fees and costs for
violations.
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