Credit Report Errors: WELLS LAW OFFICE (FCRA

Consumer Protection * FDCPA * FCRA
Identity Theft * Warranty Law

Legal Help for Credit Reporting Errors (FCRA & Ohio Law)

Telephone: (937) 435-4000
Facsimile: (937) 433-1510
Email: Help@OhioConsumerHelp.com

False Information on Your Credit Report?

(937) 435-4000 or email us your inquiry

Contact WELLS LAW OFFICE today for a free legal consultation to discuss your credit report issues. Attorney Amy Wells actively and aggressively assists consumers by providing an understanding of your legal rights, and measures you may take to correct the errors on your report informally. And in cases where those measures prove to be ineffective, Amy assists consumers in pursuing their rights in a legal forum.

Amy and her staff offer a compassionate approach to your legal needs. We understand how difficult and frustrating dealing with inaccurate credit reporting can be.

The Fair Credit Reporting Act (FCRA) is a federal law that requires credit bureaus to ensure maximum possible accuracy of the information that they publish to third parties about you on your credit report. Employers, creditors and even insurance companies rely on the information on your credit report when making decisions regarding whether to offer you a job, extend credit to you, or provide insurance coverage for you and your family. Accurate reporting has become even more critical in these hard economic times.

Credit standing is a significant asset for most Americans. Credit can affect your access to home mortgages, vehicle loans, employment, and insurance coverage. Inaccurate information on your credit report can impact your ability to get favorable finance or interest rates. One legislator correctly described the adverse impact of a bad credit history as "the 'Scarlet Letter' of 20th Century America."

Another growing concern for consumers is Identity Theft. According to the Federal Trade Commission (FTC), Identity Theft was the top consumer complaint in 2011, for the 11th consecutive year, accounting for over 20% of all consumer complaints.

Federal law promotes accuracy, fairness, and privacy of your consumer information. You have rights! If your credit report contains inaccurate or outdated information, or you believe you are the victim of identity theft, contact Attorney Amy Wells. Amy has experience assisting consumers to restore their good credit, and will work hard to get you the fast and fair settlement you deserve.

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Click HERE for a quick review of commonly asked questions about credit reporting laws, and a Cheat Sheet outlining steps you may take to protect your good name. ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Actions that EVERY Consumer Should Take

The credit bureaus are not government run agencies. They are for profit, multi-billion dollar industries that make money by selling your personal information.

Check your credit report at least once per year to ensure it is accurate. Amy suggests checking it once every 4 months, alternating between each of the three major credit bureaus. To obtain a free copy of your credit report, click here. **It is strongly suggested that you obtain a copy of your report(s) through the mail option (as opposed to the instant online version).** You are entitled to one free copy from each of the 3 major credit bureaus (Experian, Trans Union and Equifax) annually.
If you have been turned down for credit, or denied employment or insurance based on your credit standing, review your credit report to confirm it is accurate.

Anytime you are given a higher interest rate than you believe you deserve based on your credit history, send a letter by certified mail, return receipt requested, and ask for a written explanation stating why you were given unfavorable terms.
Confirm that you do not have outdated or obsolete information on your credit report.

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Need a FREE copy of your Credit Report Today?

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Signs of Inaccurate Credit Reporting & Identity Theft

Your credit report has an account that does not belong to you
Debt collectors are calling you regarding accounts that do not belong to you
Your credit report lists names, addresses or employment history that does not belong to you
A background check reports a criminal record or history that does not belong to you
An account on your credit history reports a past due or delinquent status, and it should reflect that is in good standing
Outdated information is being reported on your credit report (most information remains for 7 years, with bankruptcy generally reporting for 10 years)

You Have Rights

You must be told if information in your credit file has been used against you. It is the creditor, insurer or employer's responsibility to provide you with this information.
You have the right to dispute incomplete or inaccurate information on your credit report.
You have the right to a free copy of your credit report once each year, in addition to anytime that you are denied credit. And you have the right to learn your credit score (for a fee). **It is strongly suggested that you obtain a copy of your report(s) through the mail option (as opposed to the instant online version).**
Credit bureaus must correct or delete inaccurate, incomplete, or unverifiable information.
Credit bureaus may not report outdated negative information about you.
Credit bureaus may provide information about you only to people with a valid need.
You may seek money damages from those parties that violate your legal rights.

Steps to Take If You Believe You
Have Inaccurate Information on Your Credit Report

Maintain a complete record. Keep all copies of:

your credit report(s)

credit denial letters, employment turn down letters, or insurance denial letters based on inaccurate reporting

evidence of interest rates that are higher than you would have been offered or paid had the false information not appeared on your credit report

proof of proper payment if the account is yours, but the status is being falsely reported as late or in default

Dispute the inaccurate information with the credit bureau(s) that is/are reporting it, and also the creditor(s) who is/are listed on the credit report. Attach copies of all of the documents and send your dispute by certified mail.

It may be helpful to consult an attorney at this time. Call Wells Law Office to schedule a free consultation to discuss your legal rights. (937) 435-4000.

Contact Information for the Three Major Credit Bureaus

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~Dedicated to Protecting Ohio Consumers~
Consumer Protection Laws * Fair Debt Collections * Fair Credit Reporting

Ohio consumer lawyer Amy Wells advises her clients to protect their good name by reviewing their credit report with each of the three major credit bureaus (Experian, Equifax and Trans Union) at least once per year. Consumers are entitled to a FREE copy of their credit report annually, and may obtain a copy online at www.annualcreditreport.com. Ms. Wells strongly suggests that you request your report(s) by mail.

Review the information on your report carefully, and if you find an error, or have questions about the contents of your report, contact Attorney Wells for a FREE CONSULTATION regarding steps that you may take to correct this problem. Poor credit ratings can prevent access to home loans, credit and even employment. If the credit reporting agencies fail to correct errors published on your credit report, you may also be entitled to monetary damages.

Do you have questions about your rights under the Fair Credit Reporting Act or other consumer laws? Contact us today. (937) 435-4000. Or email us now.

A growing number of Ohio consumers are victimized by the use of abusive, deceptive, and unfair collection practices by debt collectors. Abusive debt collection practices contribute to a high number of personal bankruptcies, marital instability, job loss, and invasion of individual privacy. Federal law prohibits unfair and deceptive practices by debt collectors, regardless of whether or not you owe any money.

Consumer lawyer Amy Wells offers consumers complimentary, no obligation consultations to explore their legal rights. If you have been sued by a debt collector or debt buyer, preserve all of your documents and contact us today.

If you have been harassed by debt collectors or believe that you are the victim of unfair collection practices, contact WELLS LAW OFFICE today for a FREE consultation. Call (937) 435-4000 or email us now.