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Credit Report Attorney Near Me: Uniondale, NY

Your credit report can be your friend or foe, depending on what type of information it holds. Credit reports are powerful tools that can make all the difference in whether you can secure a car loan, home mortgage, job or promotion, rental property, or even a bank account. Your credit report dictates the outcome of some very important facets of your life.

Aside from your name, Social Security number, employment history, and basic account information, your credit report also lists credit inquiries, certain public records, and collections information. Your payment history is one of the most vital pieces of information in your credit report, making up 38% of your credit score.

There are a variety of credit reporting agencies (CRAs), but the most well-known three are Experian, TransUnion, and Equifax. A host of other lesser-known CRAs cater to the gaming industry, the medical arena, and more. The bottom line: You want your credit report to be error-free to make sure your credit score is as high as possible.

Errors creep into credit reports

Did you know that credit reports can include errors? CRAs are not infallible — they make mistakes. Not only that, but the creditors who furnish information to the CRAs make mistakes, as well. Inaccuracies on credit reports can become problematic for consumers. Case in point: You apply for a mortgage and the lender denies your application based on your credit score.

Credit reporting errors can lower your credit score, which can lead to higher interest rates or being denied credit altogether. You could have serious inaccuracies in your credit report right now and not even know it. Aside from human errors, identity theft can taint your credit reports. It is you, not the CRA, who carries the responsibility of ensuring that your credit report contains no errors.

Because of this, it is vital to regularly obtain free copies of your credit reports from the three main CRAs. At one time, consumers were advised to scrutinize their credit reports once a year. Due to the pandemic, which has opened doors for increased identity theft and other kinds of fraud, we now recommend that you check your credit reports more than once a year. In fact, you can now access your free credit reports every week until April 2022.

Once you obtain your credit reports from www.annualcreditreport.com, make a concerted effort to search for anything questionable. If you find incorrect information that suggests identity theft, such as an unauthorized account on your report, call Consumer Attorneys right away at 1-877-615-1725.

Here’s a sampling of the types of damaging information you might see on your credit reports:

  • False delinquencies that could result in denial of credit
  • Accounts you didn’t authorize, which could indicate identity theft
  • Personal demographic information that belongs to a stranger, is misspelled, outdated, or incorrect in other ways
  • The same loan or mortgage listed twice
  • Missing accounts that deal with your credit, loans, and mortgages — the same types of accounts that determine a person’s creditworthiness
  • Credit accounts incorrectly labeled as open even after you’ve closed them

If they violate the Fair Credit Reporting Act, you can sue

Lawmakers established the Fair Credit Reporting Act to protect consumers from false, inaccurate, and incomplete information on credit reports. Through a proper dispute process, consumers in Uniondale, NY, and elsewhere can work toward remedying damaging information on their credit reports. Often, this is all it takes to right the wrongs.

Sometimes, however, CRAs or their information furnishers ignore or handle consumers’ disputes unethically or inappropriately. Consumers can find themselves stuck with damaging, false information on their credit reports that could lower their credit score. At this point, legal intervention becomes a consumer’s most potent ally.

If credit bureaus or their furnishers violate your rights as outlined in the Fair Credit Reporting Act, you can sue. At Consumer Attorneys, we connect our Uniondale clients with local credit report attorney teams who leave no stone unturned to ensure maximized financial recoveries.

Financial recoveries can include compensatory damages to mitigate your financial losses, punitive damages designed to punish companies for breaking the law, and statutory damages you may be able to obtain even if you are unable to provide hard proof that you were harmed.

Don’t try to pursue legal action on your own! It could take up hundreds of hours of personal time and you’d be up against a very complex legal system. What’s more, lack of legal counsel could result in receiving only a fraction of available financial recoveries, or even nothing at all.

Complaints about credit agencies represent almost 40% of all complaints to the Consumer Financial Protection Bureau. If you want the best possible outcomes, you want seasoned credit report attorneys on your side.

Another notable tidbit: Our Uniondale, NY, clients pay no out-of-pocket fees. Our credit report attorneys earn compensation only through cases they win based on a contingency fee agreement. Our clients can also take advantage of a free case review and credit report analysis.

Our success is your peace of mind

As a leading national consumer protection law firm, Consumer Attorneys offers clients more than 10 years of consumer protection experience. In addition to addressing identity theft and credit report errors and misconduct, our Uniondale clients benefit from legal representation regarding debt collection and harassment as well as background check errors. To date, our attorneys’ efforts have secured more than $100 million in monetary recoveries for our clients across the country.

Put a lock on your financial door

Locked doors help keep us safe at night. The same holds true of locked “financial doors” that keep financial theft and fraud at bay. Your Social Security number, credit card numbers or offers, driver’s license number, medical insurance information, rewards account numbers, and other sensitive information are vulnerable to all types of nefarious activities, and Consumer Attorneys’ identity theft and legal protection plans are the key that securely locks your financial deadbolt in place.

Our identity theft and legal protection plans include identity monitoring on the dark web and other locations, constantly scanning for suspicious activity. In addition, our credit monitoring service regularly reviews the client’s credit report and profile, highlighting unusual activity that could be the first indicator that fraud has occurred and that action needs to be taken immediately.

Through Consumer Attorneys, our Uniondale, NY, clients have 24/7 access to U.S.-based certified identity theft resolution specialists who help resolve identity theft issues and put proper safeguards in place to minimize future damage.

Take advantage of the identity theft/legal protection plan that best suits your needs. When you sign up for any plan, you will receive a  three-bureau credit report and score as well as three-bureau credit monitoring with Equifax, Experian, and TransUnion.

Leader Protection Plan – $9.99/month

  • $1 million in identity theft insurance
  • Three-bureau credit score/credit monitoring and alerts
  • Dark web surveillance and alerts
  • Identity monitoring
  • High-risk transaction protection
  • Compromised credentials monitoring
  • Data recovery and device cleanup assistance
  • Home internet security restoration
  • Email health check

Individual Legal Protection Plan – $79.99/month
This plan includes all the benefits of our Leader Protection Plan plus:

  • Monthly credit report analysis and organizing any necessary dispute letters
  • Employment and housing background check report analysis
  • Debt collection and harassment protection
  • One-hour attorney phone consultation
  • Telemarketing/spam harassment protection
  • Class action support

And more!

Place your burdens on us — contact our team

Those in Uniondale, NY, can connect with our legal team by:

Justice is served, thanks to our evidence-based, expert-led, and solutions-driven strategies!

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