Credit report errors can negatively impact you in many different ways. The most obvious consequence is a higher credit score, which can hurt your ability to establish credit or obtain preferred interest rates from lenders. An increased credit score can also impact your standing for certain types of employment.
It is the responsibility of the credit reporting agencies to correct these errors as expediently as possible. If they fail to do so, it could constitute a violation of your rights under state and federal laws, including the Fair Credit Reporting Act (FCRA). If there is an error on your credit report that is negatively impacting you in any way, you should speak to a Baltimore credit report dispute attorney immediately.
You may access your free credit report once every 12 months at AnnualCreditReport.com.
Credit Reporting Agencies Are Legally Required to Provide Accurate Information
At The Law Offices of E. David Hoskins, LLC, we understand how important it is for your credit report to be accurate. We also understand how frustrating it can be when credit reporting agencies won't correct an error, even after you have provided adequate documentation. We have extensive experience with these types of cases, and we are committed to seeing that your interests are protected.
When you hire our firm, we will ask that you provide us with all of the documentation you have regarding the error and the associated debt, including any loan documents, statements, payoff letters and correspondence with the credit reporting agency or the creditor. We will conduct a thorough review of the information to determine how the error occurred and what steps need to be taken to correct it.
If we find that your rights were violated at any point, we can also advise you of your options for seeking monetary damages from the responsible parties.
Discuss Your Case With a Maryland Credit Report Mistakes Attorney
Don't let someone else's error damage your future. Contact our office today to discuss your case with a lawyer and learn more about what we can do to help you. There is never a fee for an initial consultation. You can reach us by phone at 410-343-7175 or via e-mail to schedule an appointment.
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