Credit Report Lawyer New Jersey - Consumer Attorneys

Thank you for spending a few moments with Consumer Attorneys! Do you know that 35% of American consumers never check their credit reports? You may be one of them. Most Americans believe the information on their credit reports is valid.  

Unfortunately, this assumption can be costly since credit reports with reporting agencies, including Equifax®, TransUnion®, and Experian®, are often compromised. Additionally, remedying errors can be time-consuming, tricky, and challenging – this is where our credit report lawyer teams come in.

Based in New York City, Consumer Attorneys serves clients nationwide who are represented in state and federal courts. Our credit report lawyers are seasoned and powerful consumer protection advocates for those in New Jersey who are concerned about their credit reports.  

For example, credit supportive information that should be in one's credit reports may be incorrect, such as a loan that has been paid off but is indicated as delinquent. Other inaccurate information could include errors regarding payments, bankruptcies, personal information, balances, and more.  

You might ask, “How does this happen?” Credit report inaccuracies can occur due to identity theft, unauthorized access, clerical errors, and other activities. You could have inaccuracies on your credit reports right now and not even know. 

Stay Alert!

Just one error on a credit report could do severe damage to your credit score. This could translate into being denied a car or mortgage loan, being subjected to higher interest rates when applying for a loan, or being overlooked for a job position or promotion. The list goes on, and the consequences can be far-reaching!

The Federal Trade Commission states that 1 in 5 consumers, at any given time, will have at least one error on at least one credit report that might be damaging their credit score. Obtaining a copy of your credit report from each of the three major credit rating agencies (CRAs) is vital, and it's free! Go to www.annualcreditreport.com to evaluate your credit report information.

Disputing Credit Report Errors Can Be a Battle

The Federal Government's Fair Credit Reporting Act (FCRA) protects those in New Jersey and nationwide from false, incomplete, or inaccurate credit report information. One has the option to file a dispute with credit report agencies, but it can be frustrating, time-consuming, and not always effective. 

For example, if you paid off a loan but the lender says you didn't, the CRA may believe the lender's story over yours and refuse to correct the error. If you believe the results of a CRA dispute/investigation are unsatisfactory, you can initiate a cause of action against the credit report agency, as detailed in the FCRA. 

When dealing with your credit report issues, you should also be prepared to furnish dispute information to creditors or collectors, which can be time-consuming. In addition, you may be forced to contact the creditor directly, file an additional dispute with the CRA, file a complaint about the CRA and/or the creditor, and more.  

If all this sounds nerve-wracking, it certainly can be. There is light at the end of the tunnel, however, since our credit report lawyer team can take the anxiety and burden off your shoulders! At Consumer Attorneys, we can connect you with a New Jersey credit report lawyer near you who will assess your situation as part of a free case review. You can also take advantage of a free credit report analysis.

New Jersey – We're Here for You!

Every American consumer, from New Jersey to Hawaii, has credit reporting rights, but finding oneself in an entanglement with credit report entities is not uncommon. Those entities could include lending institutions, credit card issuers, and debt collectors who must follow the FCRA. However, some will take little heed to the FCRA.

If the FCRA is being violated, consumers in New Jersey have the right to hold one or more credit report agencies and/or information furnishers accountable. That means errors must be remedied and consumers may qualify for damages in the form of monetary compensation.  Bring your concerns to our credit report lawyer team to ensure you have power legal defense on your side!

As a leading national consumer protection law firm, Consumer Attorneys offers New Jersey residents more than 10 years of consumer protection experience. In addition to remedying damaging credit report information, we offer New Jersey clients powerful legal assistance regarding corrupt debt collectors, deceitful background check businesses, and unconscionable identity theft offenders. Our lawyers' efforts have secured more than $100 million in monetary recoveries for our clients.

Our Reputation = Your Assurance

From Arizona to Florida to Illinois to New York, our credit report lawyers 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, CR Consumer Reports, Bankrate, The New York Times, Daily News, Reuters, and Law Street. Super Lawyers, for instance, has a long-standing reputation for excellence and includes only qualified lawyers who have been chosen from a pool of peer-reviewed and independently researched candidates. 

Also, no out-of-pocket fees = no worries! Our credit report lawyers receive a fee only if they win on their clients' behalf! Consumer Attorneys’ credit report lawyer team remains New Jersey's aggressive and potent legal ally!

The Time to Act is Now – Contact Our Team!

If your credit reports include errors that need to be addressed or if your errors have not been rectified after a proper dispute, call Consumer Attorneys immediately! Our neighbors in New Jersey can connect you with our legal team in various ways:

• Call +1 877-615-1725 for immediate assistance and a free case review.
• Fill out our brief Contact Us form or initiate a LIVE CHAT share your concerns.

Reach out to us at info@consumerattorneys.com with any questions anytime.