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Credit Report Errors

You have rights when it comes to what is being reported about you on a credit report. 

If you find errors on your credit report, contact us for a free case review to determine if your rights under the Fair Credit Reporting Act were violated.

Credit reporting agencies occasionally report inaccurate information on credit reports. This inaccurate information can sometimes lead to denied applications, reduction of loan limits, or higher interest rates. The Fair Credit Reporting Act (FCRA) gives consumers the right to dispute inaccurate credit reports and request and investigation into the inaccuracy.

The Fair Credit Reporting Act is designed to protect consumers. The law requires credit reporting agencies to use the maximum possible accuracy when reporting our credit activity. If they fail to do so, and ignore your request for review, you may be able to recover your losses. The FCRA requires that credit reporting agencies investigate a dispute and promptly notify involved creditors. Those creditors also have the responsibility under the FCRA to conduct an investigation to verify your claims. The investigation process can take no longer than 30 days.

If the credit reporting agencies or the creditors fail to reasonably investigate your credit report dispute within the allotted time frame, you could be entitled to receive monetary damages should it be determined they violated the law and your rights.

St. Petersburg Lawyers Standing By

Swift Law PLLC is dedicated to ensuring that civil rights are not ignored. Swift Law will work diligently and passionately on your behalf. Contact Swift Law PLLC for a free consultation by calling (727) 490-9919 or by filling out the free Case Evaluation Form on this page.