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Credit Report Errors Asbury Park

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ZIP Codes Asbury Park, NJ:

07712

Median Income: $38,401

Credit Card: 16.19%

For questions, call our office (929) 296-8398.

Asbury Park FCRA Lawyer

The Law Office of Abel L Pierre is a Asbury Park FCRA Lawyer   specializing in disputing credit report errors to make sure you have an accurate credit history. Living on Asbury Park gives you the chance to appreciate its historic landmarks, like Paramount Theatre (Asbury Park, New Jersey), and is a good place to become a business owner. As such, you should be aware of one of the key financial documents – your credit report. It outlines your credit history and helps lenders, creditors, and other financial institutions determine your creditworthiness.

Errors in credit reports aren’t rare and could have serious repercussions; in this article we’ll explore ways of safeguarding yourself against those errors.

The Fair Credit Reporting Act regulates the collection, dissemination, and use of consumers’ credit information. Under this act, credit reporting agencies or CRAs must provide accurate and complete data. Any errors or discrepancies should be promptly rectified by you as per this legislation.

Disputing Credit Report Errors for Clients in New York City

Your credit report has vital information affecting many areas of your life. Your report records everything from your history of paying your bills to whether you’ve filed for bankruptcy. Credit reporting companies are responsible for providing accurate credit history information to lenders, employers, and similar entities.

However, many credit reports contain errors created by creditors, debt collectors, or the credit agencies themselves. Incorrect information on a credit report can drastically affect your score. It can also lead to collection harassment for debts that you do not even owe. Therefor, if your report is affected by such errors, it is important to get these errors corrected as soon as possible.

Common Types of Credit Report Errors

Common errors on credit reports include:

Multiple Listings - TA single debt is listed two or more times on your credit report. This negative information can incorrectly inflate the amount you actually owe. Whole accounts can also be reported multiple times, with a more dramatic effect on your score.

Incorrect or False Delinquency Reports - Your report states you are behind on a debt. However, that is actually current or was already paid off. Alternatively, it may be a debt you don't recognize, often resulting from identity theft.

Social Security Number Errors- Another person's credit information can be included on your report. Referred to as a "mismerged" report, it typically occurs in cases where two individuals have similar Social Security numbers.

Impermissible Access- When you apply for credit, your credit report is often reviewed. This can have an impact on your overall credit score. If someone reviews your credit report without authorization, it can look like you've applied for credit more than you actually have. This can be detrimental to your score.t

If you have discovered errors on your credit report, contact our law office right away. We will work towards correcting your report and filing your dispute. We can also help you recover compensation for any financial damages you have sustained as a result of the disputed item.

How to Dispute an Error on Your Credit Report

The Fair Credit Reporting Act (FCRA) makes both the credit reporting agency and information provider responsible for correcting inaccurate information in your report.

When you identify an error on your credit report, you will want to contact the reporting company regarding the inaccuracy. You will need to include copies of supporting documents and clearly identify the disputed information.

The FCRA requires credit reporting companies to investigate your claim within 30 days, unless they consider the claim frivolous. Additionally, all information must be forwarded to the information provider, who must also investigate the claim.

Upon completion of the investigation, the credit reporting company will issue you the results of your claim, along with a free copy of your credit report if there was a change. The disputed and fixed information will also be sent to all three nationwide consumer reporting agencies (Equifax, Transunion, and Experian).

File a Credit Report Dispute With Our Attorneys

Utilizing the Fair Credit Reporting Act, there are many legal options we can explore in seeking a resolution. This includes filing a debt collection lawsuit against the responsible parties, if necessary. We will do whatever it takes to help you regain your financial footing.

The Law Office of Abel L. Pierre, Attorney at Law provides a broad range of debt collection defense and credit repair services. We can assist you with the dispute process if your credit report contains potentially harmful errors.

Contact the Law Office of Abel L. Pierre, Attorney at Law, P.C. for help in addressing errors on your credit report

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