Charlotte Fair Credit Reporting Act Lawyer

Charlotte Fair Credit Reporting Act Lawyer in North Carolina

The Fair Credit Reporting Act sets out some legal standards aimed at protecting the rights of consumers when it comes to their credit reports and credit scores. Your credit score is highly important in modern society. Potential lenders, as well as landlords and any other creditors, will typically pull your credit report before considering entering into a contract with you. Having a low credit score can keep you from getting the loans you need to buy a house, start a business, or even buy a car. When a mistake on your credit report takes an opportunity away from you, you may have a valid claim.

Blossom Law PLLC takes your rights as a consumer very seriously. With how important your credit score is to your financial security and future, you cannot afford to let an error affect you. If you have already suffered measurable harm as a result of an FCRA violation, we may be able to pursue financial compensation on your behalf in addition to correcting the problem. Let us help you hold your creditors accountable to you for a change.

Belmont Attorneys Correcting Common FCRA Mistakes

People often find out about errors on their credit report in a very uncomfortable way. You may have applied for a mortgage or a better apartment, only to be shocked with a rejection citing your credit - which you thought was fine.

There are a few common culprits here that can lead you to file a dispute to protect yourself. One involves the errant reporting of credit activity from more than seven to ten years ago. Even an old bankruptcy should drop off your report after that amount of time. If you have a common name, your information could have been inadvertently mixed up with someone else's.

In other cases, some information on your credit report might be just plain wrong. If your credit reports indicates that the car you are still driving was repossessed, this will need to be corrected, and your score may be adjusted.

Another major issue that is often caught this way is identity theft. If someone else took financial actions, like racking up credit card debt, that affected your credit score after stealing your identity, Blossom Law PLLC will fight to have it removed so that you can take back your financial life.

Lawyers Protecting Your FCRA Rights in Union County

There are other situations where you might have a valid claim against a credit bureau or a creditor. In these cases, our lawyer is here to defend your right to privacy and help you recover compensation.

Situations giving rise to a claim typically relate to wrongful disclosure of your private financial information. This can include violations like a credit bureau releasing your report without your consent or a third party requesting your report without your consent. You may also have a claim if you did give consent to release your credit report, but the third party you released it to failed to take steps to keep your information private and secure.

Our attorney can assist with these problems and more. We are well-versed in the FCRA, and we can help you determine whether you have been affected by a violation.

Contact a North Carolina Fair Credit Reporting Act Attorney

When an error or crime affects your credit rating, Blossom Law PLLC is here to help you recover. Our experienced lawyer will zero in on the source of your problem and do everything in our power to correct it, which may include seeking financial compensation for harms already done to you. Contact us online or call 704-256-7766 for a free consultation.