If inaccurate information appears in your credit report or background check it can negatively affect many aspects of your life – from your ability to get a job, rent an apartment, and make other financial decisions. A fcra lawyer can help you challenge the unfair or inaccurate data that can stain your credit and prevent you from achieving your goals.
The Fair Credit Reporting Act (FCRA) establishes standards for how CRAs and information suppliers – including creditors, lenders, landlords and employers – can access your file and what they can report about you. If a company or individual violates the law you can sue them for damages. The FCRA also includes rules about how long negative information can remain in your report and what a CRA or information supplier must do when you dispute items in your file.
A good fcra lawyer can help you understand your rights and work with a CRA or information supplier to correct any errors. They will help you file a dispute online or via certified mail and will explain to you the steps that must be taken in each case. If your fcra lawyer is successful in having incorrect information removed or corrected it is possible to recover your attorney’s fees and other expenses as established by statute.
Some of the most common errors on a credit report include deceased indicators being added to the report, tax liens and judgments that are paid still showing up as unpaid, or criminal charges that have been expunged or sealed showing up on your background report. A fcra lawyer can also help you dispute inaccurate information related to your credit cards, medical records, and employment history.
A fcra lawyer can also help you fight debt collectors that continue to harass you over disputed or even nonexistent debts. They can help you recover damages for the harm caused by these practices and in some cases can pursue punitive damages against debt collectors that engage in these illegal practices.
FCRA violations are a serious matter and can prevent you from getting the jobs, loans, and housing that you deserve. If you have experienced harm as a result of inaccurate or improper reporting contact a New York fcra lawyer today for a free consultation.
Whether it’s a background check or a credit report error, a fcra lawyer can help you take action to protect your rights. They can help you build a strong case and hold accountable any consumer reporting agency or other party that violates the Fair Credit Reporting Act (FCRA).
FCRA lawsuits are on the rise due to the high stakes involved for both plaintiffs and defendants. They are complex legal matters that often involve multiple parties and a myriad of laws. FCRA lawsuits can also be very costly, especially for a defendant that loses a case early on or settles one that is filed without a dismissal agreement. The FCRA allows the prevailing party to recover their attorney’s fees from the losing party, so it is important to hire an experienced lawyer right away.