* The Law Office of Abel L. Pierre, Attorney-at-Law, P.C. is not a credit repair organization and its/employees, agents,associates, and attorneys do not provide credit repair services or attempt to raise credit scores or ratings. Our service is limited to recovering monetary damages on behalf of clients who have been damaged as a result of erroneous information furnished, carried and dissemenated on or via their consumer report within the definition of such under 15 U.S.C. Section 1681 et seq.

Credit Report Errors

Almost 25% of credit reports contain serious errors! Credit report errors can lead to loan & credit denials, increased interest rates, and could even cost you a job offer! If you have disputed credit report errors with the three credit reporting agencies, but the errors remain, CONTACT US. The Fair Credit Reporting Act (FCRA) provides civil remedies, and you may be entitled to damages if credit report inaccuracies are not removed.

Check Your Credit Report For:

Inaccurate Entries

Use certified mail to dispute credit report errors with the reporting agencies. If the dispute letters do not result in the removal of the errors, our office has experienced FCRA attorneys to assist you.

Identity Theft

If your identity has been stolen, contact the credit reporting agencies right away. You should follow up by filing a police report and informing your creditors that you are a victim of identity theft.

Incorrectly Reported Bankruptcy Discharge

If a bankruptcy is reported incorrectly on your credit report, it could harm your efforts to rebuild your credit. If you have been through bankruptcy, your credit report should have zero balances and state that the debts have been discharged.

Old Information

Creditors sometimes re-age or falsify dates on old debts and submit them to credit reporting agencies. Negative debts can only be reported for 7 years, while bankruptcy can only be reported for 10 years.

For more information:
Fair Credit Reporting Act (FCRA)
FTC: How to Dispute Credit Report Errors
NY Times: How to Dispute Credit Report Errors

Abel L. Pierre, Attorney at Law

40 Exchange Place, Suite 2010

New York, New York 10005

Tel: (212) 766-3323

abel@apierrelaw.com

©Abel L. Pierre, Esq.; (212) 766-3323 ; Consumer Protection Lawyer serving New York, New York City, Manhattan, Brooklyn, Staten Island, the Bronx, and the surrounding areas.