Empresas de informes complementarios

Empresas de informes complementarios más comunes

Empresas de informes complementarios más comunes

Corrija hoy mismo los errores de los informes complementarios de crédito y de antecedentes penales.

Los errores en los informes complementarios causan dificultades personales y profesionales. Revise nuestra lista de las empresas de informes complementarios más comunes y los errores más frecuentes. Aprenda a solucionarlos y cómo podemos ayudarle.

Empresas con informes complementarios más habituales

A-PLUS Personal Lines Loss History Solutions by Verisk Analytics
Avantus
ChoicePoint
Collection Resources
CoreLogic Credco
Factual Data
FirstPoint
Inflection Risk Solutions
Innovis
LexisNexis Risk Solutions
L2C Inc.
SageStream

¿Qué son las empresas de informes complementarios?

Las agencias de informes complementarios son empresas de terceros que brindan información crediticia y de antecedentes adicional que no se encuentra en los informes crediticios regulares. Algunos ejemplos son LexisNexis y CoreLogic, que ofrecen datos para ayudar a los prestamistas y a los propietarios a tomar decisiones más informadas.

En el mundo acelerado de hoy, numerosas empresas recopilan y divulgan datos sobre usted, lo que contribuye a las agencias de informes crediticios. Estas empresas suelen obtener información de diversas fuentes y la triste realidad es que pueden aparecer errores en sus registros. Ya sea que se trate de datos desactualizados, una identidad equivocada o un error en los informes, incluso un solo error podría tener un impacto significativo en su vida.

Imagínese que solicita un empleo o un préstamo y que le denieguen la solicitud debido a un error en sus antecedentes o en su informe crediticio. Estos errores pueden perjudicar su carrera, limitar sus perspectivas laborales e incluso impedirle obtener una hipoteca o un préstamo personal. Es una experiencia terrible que muchos consumidores enfrentan, pero que quizás no sepan cómo resolver.

El papel de la FCRA

Afortunadamente, todas las agencias de informes crediticios deben cumplir con la Ley de Informes de Crédito Justos (FCRA, por sus siglas en inglés), que le otorga ciertos derechos. Por ejemplo, nadie puede realizar una verificación de antecedentes sin su consentimiento por escrito, y usted tiene derecho a recibir una copia de su informe. Si encuentra un error, la empresa tiene 30 días para corregirlo. Si no corrigen el error dentro de ese plazo, usted tiene derecho a emprender acciones legales.

¡Empiece hoy y proteja su futuro asegurándose de que sus informes de crédito y antecedentes sean precisos!

Errores más comunes

Algunos errores que pueden aparecer en los informes complementarios incluyen historiales de pago de alquiler inexactos, registros de empleo incorrectos o información de dirección desactualizada. Estas inexactitudes pueden resultar en la denegación de solicitudes de alquiler o en tipos de interés más altos.

Cómo disputar los errores en los informes complementarios

Proceso	Acción
Revisar	Obtenga una copia de su informe complementario de la empresa informante.
Identificar	Encuentre errores como direcciones incorrectas o historiales de pago.
Documentar	Redacte una notificación de disputa e incluya documentos justificativos.
Enviar	Envíe el aviso por correo certificado tanto a la empresa informante como a la empresa que proporcionó la información inexacta.

Cosnumer Attorneys – ¡SUPER LAWYERS!

Nuestros abogados son excepcionales en lo que hacen. De hecho, varios de ellos han sido recientemente distinguidos con uno de los honores y títulos más prestigiosos que un abogado puede lograr en su vida: ¡Super Lawyers y Rising Stars!

Cuatro de nuestros abogados han obtenido este honor, incluidos nuestros dos socios, Dan Cohen y David Chami. Este honor es increíble, ya que solo el 5 % de los abogados reciben el reconocimiento de Super Lawyers y solo el 2,5 % son reconocidos como Rising Stars.

Si tiene problemas con errores en su informe crediticio o de antecedentes, no dude en contactarnos. Contacte con Consumer Attorneys. También puede presentar una consulta de su caso gratuita en nuestro sitio web. Estamos aquí para ayudarle durante el proceso y no hay gastos de su bolsillo. Comuníquese con nosotros para comenzar.

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+1 334-abo-gado [email protected]

INVESTIGATIVE ENGAGEMENT AGREEMENT

You, (“Client,” “you”), and Consumer Attorneys PLLC (“CA” or “we”), located at 72-47 139th street Flushing, NY 11367 (“CA”) , hereby enter into this limited scope retainer agreement whereby you agree to grant CA the exclusive authority to investigate your potential consumer law claim(s), including but not limited to potential violations of the Fair Credit Reporting Act (“FCRA”), Fair Debt Collection Practices Act (“FDCPA”), Equal Credit Opportunity Act (“ECOA”), Electronic Funds Transfer Act “EFTA”), Fair Credit Billing Act (“FCPA”), and/or the Telephone Consumer Protection Act (TCPA”) (collectively referenced as “consumer protection statutes”). ¹Please read carefully before signing:

Authorization

You authorize CA to investigate your potential consumer law claim(s) under state and federal consumer protection statutes. You authorize CA to contact third parties on your behalf for the limited purpose of investigating your potential consumer law claims. “Third parties” include but are not limited to consumer reporting agencies, creditors, lenders, debt collectors, rental agencies, employers, courts, and law enforcement agencies.

CA’s Exclusive Investigative Period

CA agrees to investigate your potential consumer law claims in good faith. By signing this agreement, you agree to give CA the exclusive right to investigate your potential consumer law claim(s) for the next 180 days (“Exclusive Investigative Period”). For the duration of the Exclusive Investigative Period, you agree that you will not communicate with any other law firm or legal representative about your potential consumer law claim(s). You agree to forgo any previously scheduled consultation or case review until CA’s Exclusive Investigative Period concludes.

Termination of Exclusive Investigation Period

CA agrees that the Exclusive Investigative Period may not extend beyond 180 days without your prior written consent.

At any time between the date of this agreement and the expiration of CA’s Exclusive Investigative Period, CA may inform you of the outcome of its investigation. If CA’s investigation reveals that you have an actional consumer law claim, CA may ask you to sign a formal retainer agreement. If CA’s investigation does not reveal an actionable consumer law claim, you will receive an e-mail that states CA will not represent you in any further pursuit of your potential claim(s).

The relationship between you and CA automatically terminates at 5pm on the 180th day of the Exclusive Investigative Period or your receipt of CA’s written notice to decline representation, whichever comes sooner. At the conclusion of the Exclusive Investigative Period or upon receipt of CA’s written declination of representation, you are permitted to seek alternative legal counsel without penalty.

Nothing in this agreement should be construed as a promise or guarantee that CA will represent you in a consumer lawsuit at any point in time. CA reserves the right to decline to represent you for any reason permitted by relevant laws and ethical rules.

Your Involvement and Promises to us

You agree to meaningfully participate and cooperate in CA’s investigation of your potential consumer law claim(s). You agree to immediately inform CA if your mailing address, e-mail address, or phone number changes at any point during the Exclusive Investigative Period.
You agree to provide all relevant information, communications, documents, materials, and all other similar instruments to CA and its representatives during the Exclusive Investigative Period. You understand that your failure to provide all relevant information, communications, documents, and materials to CA during the Exclusive Investigative Period may hinder, delay or otherwise frustrate CA’s investigation of your potential consumer law claim(s).

You agree, under penalty of perjury, to provide complete, accurate, and truthful information to CA. All documents and communications, oral or written, past or future, provided to CA during the Exclusive Investigative Period and anytime thereafter are presumed by CA to be true, complete, and accurate.

Fees and Costs Incurred During Exclusive Investigative Period

CA agrees that you will not incur any out-of-pocket fees or costs during CA’s Exclusive Investigative Period. However, if CA agrees to represent you in a consumer lawsuit, CA may recover the fees and costs incurred during the Exclusive Investigative Period from the Defendant pursuant to a future settlement or judgment.

You agree that CA has a right to place a lien on any future monetary recovery obtained by client related to the claims identified during CA’s Exclusive Investigative Period or as a result of CA’s investigative efforts. If you refuse to cooperate with CA in the formal pursuit of the consumer law claim(s) it identifies during or after the Exclusive Investigative Period, you agree that CA has the right to recover the fees and costs it incurred while investigating your potential consumer law claim(s).

Authorization to Use Your Electronic Signature

CA will send you any and all documents that require your signature. You authorize CA to affix your electronic signature to requests, disclosures, or other forms that CA deems reasonably necessary to the investigation of your potential consumer law claim(s) upon receipt of your approval or after the 7th day after the document was sent to you, whichever comes first. Your electronic signature will be used on any and all other subsequent documents that will need signature, affirmation, acknowledgment, or any other forms of authentication in reference to this matter under the above referenced procedure.

¹You also agree to give CA the exclusive authority to investigate potential violations of state-specific consumer protection statutes.

FORM # INV2024CA119

He leído y estoy de acuerdo con Política de privacidad, Retención de investigación

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