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Consumer Law

Allied Practice Areas > Consumer Law > Fair Credit Reporting

Fair Credit Reporting

Your credit score is your key to financial success.  Maybe your credit score is not all you would like it to be.  Your credit score is based on deep dark secrets maintained by the Fair Isaac Corporation.  Your creditors have the right to report to the credit bureaus on your credit history.

The Federal Trade Commission offers you a great deal of support to be sure that your credit report is in order.  You can get more information from the FTC's Credit Reporting page.  Here are some of your most important rights:

  • You must be told if information in your file has been used against you.
  • You have the right to know what is in your file.
  • You have the right to a free credit report in many circumstances
  • You have the right to ask for a credit score
  • You have the right to dispute incomplete or inaccurate information
  • Consumer credit reporting agencies must correct or delete inaccurate, incomplete or unverifiable information.
  • Access to your credit file is limited.
  • You must consent for access to your credit file to be given to your employer.
  • Consumer credit reporting agencies may not report outdated negative information
  • You can limit “pre-screened” offers.
  • You can get damages from those who violate your rights.
  • Identity theft victims and military personnel have additional rights.

Lakelaw helps people with credit reporting problems.  We insist that credit reporting agencies correct errors and we will sue credit reporting agencies and creditors who report erroneous information.

If you have a credit reporting problem, call Lakelaw today at 1-866 Lakelaw (525-3529).

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