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Credit Report Lawyer New York | Consumer Attorneys

You have reached Consumer Attorneys based in New York City. We serve consumers nationwide and represent them in state and federal courts. Our credit report lawyers serve as powerful legal advocates for those dealing with erroneous or misleading credit report information. False, damaging information in credit reports includes payments listed as late or missed, incorrect loan amounts, wrong personal information, misreported bankruptcies, and more.  

Are you dealing with a credit report concern? If so, remedying errors or inaccuracies must be dealt with swiftly since your credit rating could be at stake. Any credit report can be embedded with adverse information due to identity theft, unauthorized access, data management errors, and other activities. The bottom line is: inaccurate credit reports can exist without one's knowledge, and no one is immune to this possibility.

Some Stunning Stats

Credit reports from Equifax®, TransUnion®, and Experian® can contain serious errors – does that surprise you? Even one undiscovered error on your credit report can cause your credit score to take a nosedive. 

One stunning statistic from Credit Karma states 35% of Americans never check their credit reports to ensure accuracy.  

Laxness can backfire since credit report errors can lead to being denied a car or mortgage loan, generate higher interest rates when applying for a loan, or cause one to be denied a job position or promotion – but that is only the beginning of a long list of eye-opening consequences.

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 could be compromising 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.

The Dispute Process – Let Us Handle It for You!

The Federal Government's Fair Credit Reporting Act (FCRA) shields consumers in New York and across the country from false, incomplete, or inaccurate credit report information. If you’re concerned about an inaccurate credit report, you can file a dispute with the credit report agencies and take action against damaging entries.

Though one can carry out this type of dispute on one's own, delays are not uncommon. At times, a CRA may refuse to correct an error for the consumer if they agree with the consumer's creditor. If you believe the results of a credit report agency investigation and dispute are unsatisfactory, you can initiate a cause of action against the credit report agency, as detailed in the FCRA. 

When dealing with credit report issues, you should be prepared to furnish dispute information to creditors or collectors, which can be time-consuming. All in all, 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.  

All these steps may seem overwhelming, but there is good news: our credit report lawyer team can take that burden off your shoulders – let Consumer Attorneys' legal pros do all the work!

Truthfully, repairing credit can be a very difficult, tricky task. Without legal representation, attempting to repair one's credit alone may yield minimal or no results. At Consumer Attorneys, however, we can connect you with a New York credit report lawyer who will assess your situation as part of a free case review. You can also take advantage of a free credit report analysis.

New York, We Have Your Back!

Every consumer, from New York to Hawaii, has credit reporting rights. However, it's not uncommon for consumers to go head-to-head with credit report entities. Those entities could include lending institutions, credit card issuers, and debt collectors who must follow the FCRA. At times, however, the FCRA is ignored. 

If the FCRA is violated, consumers have the right to hold one or more credit report agencies and/or information furnishers accountable to not only repair the errors but pay for damages the consumer may have suffered. Oftentimes, that means credit report lawyers must take over to ensure the victim receives acceptable remedies and any entitled financial compensations.  

As a leading national consumer-protection law firm, Consumer Attorneys offers New York residents more than 10 years of consumer protection experience. In addition to remedying damaging credit report information, we offer New York clients legal counsel when dealing with cunning 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.

It's About Reputation and Results  

From Arizona to Florida to Illinois to New York, our credit report lawyer teams 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.

As a resident of New York, you can breathe easy knowing you will pay no out-of-pocket fees. Our credit report lawyers receive a fee only if they win on your behalf! Consumer Attorney's credit report lawyers are New York residents' powerful legal allies!

It's Time to Right the Wrong – Contact Our Team Now!  

If your credit reports indicate worrisome errors or if your errors have not been rectified after a proper dispute, call Consumer Attorneys today! Our neighbors in New York can connect you with our legal team, in various ways:

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

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