Credit Reporting Errors

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St. Paul Credit Reporting Errors Attorney

Protecting Minnesotans’ Rights Under the Fair Debt Collection Practices Act

Do you know or suspect that there is an error on your credit report? Credit reporting errors can have devastating consequences, including preventing you from making important purchases, like a buying house or a car. At Rob Roe Law, LLC, our St. Paul credit reporting errors attorney can help you review your credit report and dispute any mistakes directly to the credit reporting agency.

If a mistake on your credit report directly violates or leads to a violation of the Fair Debt Collection Practices Act (FDCPA), you have the right to sue the debt collector. You may even be entitled to up to $1000 in damages.

Is a credit report error causing you trouble? We can help. Call Rob Roe Law, LLC now at (888) 492-9614.

How Do Credit Reports Work?

A credit report is a collection of information that reveals how reliable you are when it comes to paying off debts. In the United States, there are three leading credit monitoring bureaus that compile these reports: TransUnion, Equifax, and Experian. Once a year, you are entitled to receive a free credit report from each.

The information depicted on your credit reports include:

  • Payment history: Whether your payments are typically on time or late.
  • Credit usage: The ratio of your outstanding credit card balances to your credit card limits. The lower your usage percentage the better.
  • Length of credit history: How many years you have had some form of credit in your name.
  • Credit mix and types: The different types of credit you have, such as student loans, credit cards, mortgages, and car loans.
  • Amount of recent credit: How many new credit accounts have been opened in the last 12 months.

Your credit report also depicts important personal information like your name and home address. If you notice any of the information on one or more of your credit reports is incorrect, you must notify the credit bureau directly in writing.

Why Are Credit Reports Important?

People and organizations you wish to request credit from will look at your report to determine whether you are trustworthy enough to lend to. A bad credit report can affect your ability to rent or buy property, open a new credit account, take out a loan, and more.

This is why credit report errors can have such serious consequences. If your report wrongly claims that your credit card payments are past due and went to collections, for instance, this can damage your reputation in the eyes of lenders. Therefore, it is imperative to stay up to date on your annual credit reports and report any errors you find in a timely manner.

In some cases, the bank, credit card company, or the credit reporting agencies may have violated the Fair Credit Reporting Act (FCRA) and, therefore, can be held at fault for the error on your report.

They may have violated the FCRA by failing to:

  • Notify the credit reporting agency of a debt dispute
  • Investigate the error within 30 days
  • Conduct a “reasonable” investigation
  • Provide you with the necessary information to complete the dispute process
  • Report the results of the investigation to you
  • Submitting correct information to a credit reporting agency

We can help you with anything credit report related, from disputing a simple error to bringing a lawsuit against the person or company that violated the FCRA. All you have to do is schedule a free consultation with our St. Paul credit reporting errors attorney and we’ll take care of the rest on your behalf.

Let us help you correct the errors on your credit report. Contact us now!

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