Credit Report Attorney Near Me New York | Consumer Attorneys
Welcome to Consumer Attorneys! If you searched “credit report attorney near me in New York” online, then your pursuit has reached the finish line. As an industry-recognized consumer protection firm, we embed our passion and expertise into consumer litigation for New Yorkers who find themselves entangled with problematic credit report entries, difficult debt collectors, questionable background check businesses, and unconscionable identity thieves.
When it comes to credit reports, anomalies can occur when damaging information that should not be there is mistakenly added. A few examples of common report errors include a paid-off loan that is listed with a balance due, an unknown account that belongs to someone else, an individual loan reported multiple times, a stellar credit card account that lists payments as delinquent, and more.
If you or a family member are dealing with credit report content that has damaged your credit rating, you are not alone. Credit report inaccuracies are pervasive in New York and every state in the country. The bottom line is simple: Becoming updated on your credit reports is critical and taking legal action to remedy mistakes is imperative. Credit scores that have become unknowingly lowered can wreak havoc.
Whose responsibility is it anyway?
Surprisingly, credit report agencies like Equifax, TransUnion, and Experian, are not entirely responsible for the accuracy of consumers' credit reports. Consumers themselves are held to a higher standard when ensuring credit reports do not contain mistakes.
The fact remains, however, that CRAs and their information furnishers—credit-card companies and mortgage lenders—do make mistakes, and New York consumers can pay the price. Erasing credit report mistakes can be an aggravating journey that yields zero results. This is where our nearest team of credit report attorney teams comes in!
Imagine for a moment that you have diligently searched for and found your dream home in New York. You know your credit scores are solid and the chance of getting preapproved for a mortgage loan at a low interest rate is in the bag. Or is it? If your credit reports indicate lowered credit scores due to false, missing, or misleading information that you're not aware of, that dream home could remain just that: a dream.
Other consequences of lowered credit scores can include being bypassed for a job position or promotion, paying higher home insurance premiums, being denied lower interest rates for a car or home loan, paying higher security deposits for a rental, and more.
Let's go from reasons to remedies
According to Consumer Reports, complaints about credit reports have reached record levels, partly due to the COVID-19 crisis. Reasons for credit report mistakes range from unauthorized credit report access to data management errors and identity theft. As if that weren't concerning enough, new government stipulations afford credit bureaus more flexibility when dealing with consumer disputes during the pandemic.
What used to be a 30-day window for credit bureaus to respond to consumer disputes has been replaced with no official time frame, though credit reporting agencies must still exercise good faith with their investigation procedures.
However, Consumer Reports goes on to reveal that credit reporting agencies devote limited resources to addressing credit report errors, and investigations conducted by their information furnishers are frequently below par. Additionally, agencies will often trust the information provided by furnishers who may produce flawed data regarding consumers' payments and other credit history.
The reasons for all this madness are secondary. Consumer Attorney’s main priority is having remedies in place to rectify the damages. Our attorneys will replace confusion with calm as they utilize their legal authorities to uncover any noncompliance with the Fair Credit Reporting Act. Whether it's credit reporting agencies or information furnishers, when violations and violators are discovered, perpetrators are held accountable.
New York relies on our credit report attorney teams to fully address destructive credit report errors and fight for maximized financial compensations for our clients, when applicable.
Be proactive with your credit
If you haven't checked your credit reports in a while, it would be prudent to do so. A major study conducted by the Federal Trade Commission in 2012 found that one in four American consumers had at least one error on their credit report. During 2020, American consumers filed more than 280,000 complaints regarding credit report mistakes.
Go to annualcreditreport.com to secure your free credit reports. If any information looks unfamiliar or questionable, give our team a call right away.
At Consumer Attorneys, we will connect you with a New York-based credit report attorney who will assess your situation as part of a free case review. You can also take advantage of a free credit report analysis. Your circumstances may entitle you to financial compensation.
Place your trust in our accomplishments
As a leading national consumer protection law firm, Consumer Attorneys offers more than a decade of consumer protection prowess. From Arizona to Florida and New York, our credit report attorneys help consumers restore their good names, reputations, and credit standings that may have been negatively impacted by one or more parties' actions.
Consumer Attorneys is featured in a variety of prominent media outlets including Super Lawyers, Consumer Reports, Bankrate, The New York Times, Daily News, Reuters, and Law Street. Super Lawyers has a long-standing reputation for excellence and includes only qualified lawyers who have been chosen from a select pool of candidates who have been peer-reviewed and independently researched.
As a resident of New York, you will pay no out-of-pocket fees. Our credit report attorneys only receive a fee if they win on your behalf!
Breathe easy again. Contact our team now!
If your credit reports include damaging errors or if your errors have not been rectified after a proper dispute, call Consumer Attorneys immediately! Our neighbors in New York can connect with our legal team in various ways:
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