Do you Need Help Repairing Credit Due to Incorrect Information on Your Credit Report?
Do you need the help of a qualified, experienced credit report attorney to fix errors on your credit report? Is your rating hurt by incorrect reports to any of the 3 major credit bureaus?
Even if your credit score is good and it shows you are paying on time, incorrect information can hurt your score and cost you the ability to obtain needed credit or cost you thousands of dollars in overinflated interest payments. A skilled credit report dispute attorney like us at Cook Law, can help you fix these problems and get you the credit score, the credit lines, and the great interest rates that you deserve.
Believe it or not, over 25% of Americans have identified incorrect information on their bad credit score. Many don’t even notice or think the mistake is too small to affect them, but they are dead flat wrong!
Unfortunately, there are too many common errors on credit reports, from incorrect identity information to bad data. All of this affects your credit standing, but we can help fix it. Making a credit dispute is your right, and we can help. Take advantage of our free consultation and see how we can help with your credit situation.
Credit Report Dispute
FAIR CREDIT REPORTING ACT ATTORNEY
If there is an inaccuracy on your credit report or you feel some derogatory credit marks should not be there, then the law is on your side. This federal law allows you to dispute any derogatory account on your credit reports. The credit bureaus and credit furnishers must properly respond and verify these negative accounts, after a dispute.
If they cannot, then the credit bureaus must remove and delete these derogatory accounts. Often times the credit bureaus and credit furnishers do not comply with FCRA or simply ignore your dispute. This would entitle you monetary damages and have the negative account permanently deleted!
Our Chicago Credit Attorneys Can Help Fix Common Errors on Your Credit Report...
If your credit report shows any incorrect information it will hurt your credit rating. We can help you dispute errors on your credit report and restore your credit quickly in a cost-effective manner. You need to dispute the credit report to get errors fixed or else they won’t go anywhere for a while. But credit bureaus are not easy to work with and you need the knowledge, experience, and legal power sometimes to get the right results. This is where we can help with your credit dispute. All kinds of information can be misreported to the credit bureaus, and they won’t address it unless you take action. Any bad information can hurt your credit scores, such as problems with incorrect identity information, incorrect credit reporting, current account standing, data errors, or incorrect balances.
Credit Reporting Errors
All of these credit report errors can hurt your score and damage your credit. Even if you don’t think it hurts your score, it likely does by lowering it. You may be completely on time and up to date on all accounts, but incorrect balances that show as too high or credit limits that appear too high or low can impact your credit score.
This will hurt your ability to get a loan or cost you thousands of dollars by driving up interest rates because your credit score is negatively impacted. A simple free consultation with us can save you money and help your credit score, and it costs you nothing.
Contact A Dedicated Credit dispute attorney
Free Consultations 24/7
If you or a loved one are one of the thousands of people in the U.S. that have been mistakenly reported as deceased, the credit dispute lawyers at Cook Law, LLC have you covered! Get in touch with an attorney today to receive your free consultation. Simply click one of the buttons below to contact a credit report attorney near you!
CHICAGO, IL
2800 N Lake Shore Dr UNIT 4115 Chicago, IL 60657
St. Charles, MO
2025 S Brentwood Blvd Ste 201 Brentwood, MO 63144
Why Should You Choose Us Over a Credit Repair Company?
Before relying on a credit repair company, speak with an attorney who is a credit repair specialist if you want to successfully dispute a bad credit score. Most credit repair companies out there will promise to fix your credit in a few weeks, or instantly qualify you for a loan.
The main reasons you should choose an attorney like us over a Credit Repair Company are:
- Legal and Ethical Counseling: Credit repair specialist lawyers offer legal, ethical, and real credit repair counseling to help you rebuild your life. They are honest about your options and explain in detail what you can expect.
- Experience: Since credit repair attorneys have helped thousands of Americans repair their credit report, they know the best strategies to improve your credit position.
- Strategic Approach: Credit repair specialist lawyers know that it is not possible to remove all listings from the credit file. They will pick the ones that have the best chance to be removed.
- Avoidance of Illegal Actions: Most credit repair companies advise on falsifying or omitting information on the credit application, which amounts to illegal action even if it’s the company doing it on your behalf.
- Understanding of Law: Credit repair specialist lawyers are qualified to practice law, whereas credit repair companies do not understand the complexities involved with the law that governs the credit report area.
- Knowledge and Experience: Putting your trust in a credit repair company that does not know what it takes to remove listings from the credit report is not wise. A credit repair specialist attorney has more knowledge and experience to dispute credit reports and repair your damaged credit.
- Consumer Protection Laws: The attorney will use consumer protection laws to ensure that your credit remains fair and accurate.
We Can Help Fix Common Errors on Your Credit Report
If your credit report shows any inaccurate information, it will hurt your credit rating. We can help you dispute errors on your credit report and restore your credit quickly in a cost-effective manner. You need to dispute the credit report to get errors fixed or else they won’t go anywhere for a while.
But credit bureaus are not easy to work with and you need the knowledge, experience, and legal power sometimes to get the right results. This is where we can help with your credit dispute. All kinds of information can be misreported to the credit bureaus, and they won’t address it unless you take action. Any bad information can hurt your credit scores, such as problems with incorrect identity information, incorrect credit reporting, current account standing, data errors, or incorrect balances.
All of these credit report errors can hurt your score and damage your credit. Even if you don’t think it hurts your score, it likely does. You may be completely on time and up to date on all accounts, but incorrect balances that show as too high or credit limits that appear too high or low can impact your credit score.
This will hurt your ability to get a loan or cost you thousands of dollars by driving up interest rates because your credit score is negatively impacted. A simple free consultation with us can save you money and help your credit score, and it costs you nothing.
HOW TO DISPUTE A CREDIT REPORT ERRORS AND WIN
There are many ways to dispute credit report errors. The fact is that by law, credit bureaus have to investigate any disputes, and they have up to 30 days to respond to a dispute.
If you have disputed a mistake on your credit and you haven’t gotten any results, it’s best to put our experience to work for you to fully restore your credit. We will help you win your credit report dispute by addressing things like:
- Identifying any and all incorrect information: It is extremely important to document and verify everything and to find every problem on your report to build a strong case for your dispute.
- Craft a strong, credible, convincing credit dispute letter: Sending a well crafted, thorough credit dispute letter asking for the removal of the incorrect information and explaining and showing why it is wrong is a powerful tool.
- Write the creditors themselves: Often with legal representation when shown the incorrect information, creditors will voluntarily remove the bad information.
- Ask for a dispute if the investigation goes against you: Even if the bureaus disagree, you can dispute the information that has to be included in future credit checks which can help your score.
Want To Fix Errors on Your Credit Report?
If you have problems with credit or know that you have credit report errors, we can help fix those credit reporting errors, and the consultation is free!It costs you nothing and can generate tens of thousands of dollars in new credit lines or save you thousands of dollars from improved interest rates.