Credit Reporting Issues

“I don’t have bad credit,” you might say to yourself. “I pay all my bills on time. My FICO score is fine. It’s just that I have this problem…”

creditcardsCredit report errors are one of the signature maladies of the Information Age. Credit bureaus aren’t perfect, and if an error shows up on your Equifax, Experian, or TransUnion report, it can be hard to get rid of. This is especially true if, like many Americans, you’ve been a victim of identity theft and had your credit trashed through no fault of your own.

At Henry, DeGraaff & McCormick, your personal attorney will tackle your credit problems from a legal perspective. We’ll look at the whole picture, and then take steps on your behalf that will get the attention of your creditors and make positive improvements to your credit. We make sure that your rights under the Fair Credit Reporting Act (FCRA) are protected. We provide a variety of credit correction and resolution services to help improve your credit score and report including:

  • – Debt counseling
  • – Challenging inaccurate, misleading or unverifiable information on your credit report
  • – Stopping collection activities
  • – Defending you against collection agencies and other harassing creditors through litigation under the Fair Debt Collection Practices Act (FDCPA)
  • – Forcing creditors to abide by the Fair Credit Reporting Act and other state and federal laws

More Information

  • – Disputing Inaccurate Information In Your Credit Report – Exercise your rights when they get it wrong
  • – Self-Help Tools – Sample letters and forms you can use to repair your credit