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Credit report lawyer: Asbury Park, NJ

You checked your credit report about a year ago, or maybe longer than that. Everything looked accurate. You don’t feel the need to check it again — at least, not for a while since all is good, right? Actually, not necessarily. At any given time, errors can creep into your credit report — literally overnight — and you would never know unless you received regular alerts or checked it yourself.

By the way, don’t expect TransUnion, Experian, Equifax or any other credit reporting agency to automatically know if your credit report includes errors. It’s up to you to keep on top of your credit reports and make sure their information is completely accurate.

Credit reporting agencies receive information from various creditors and lenders and add that information to your report. The danger lies with damaging errors the information furnishers can provide, usually due to everyday human error. So, at this point, the credit reporting agency is unaware of the errors, the furnisher is unaware, and so are you. There could even be evidence of identity theft on your credit report, which, if left unchecked, could entirely ruin your once-stellar credit rating.

What if I find errors on my credit report?

The Consumer Financial Protection Bureau encourages consumers to scrutinize their credit reports at least once a year. Go to www.annualcreditreport.com to take that first important step toward checking that your credit reports are all in ship shape.

As a side note, you can get your credit reports for free every week from the three major credit bureaus — TransUnion, Experian, and Equifax — until the end of April 2022.

Let’s assume you’ve thoroughly examined your credit reports and discovered information that is downright inaccurate or, at the very least, highly questionable. You’ve taken steps to have the errors rectified by notifying the credit reporting agency via a dispute letter, but it’s been more than a month and you’ve heard nothing. Or, to your affront, the credit reporting agency has denied your dispute straight out, even though you know the errors are very real. Now you might be asking, “Where do I go from here?” Enter: Consumer Attorneys.

As experienced lawyers, we serve consumers in Asbury Park, NJ, as well as a host of other cities across the U.S. We help victims of identity theft, credit report errors, and background check errors. We serve our clients by connecting them with local credit report lawyer teams who are seasoned experts in this legal arena.

We encourage you to take advantage of a free case review. Give us a call at 1-877-615-1725 — the sooner the better since your credit score could be spiraling downward even now.

Credit report errors are like fleas on a dog

Shockingly, credit report errors are extremely common, and like fleas on a dog, they run rampant and can be very difficult to get rid of. That’s exactly why our credit report lawyer teams are so impassioned with serving as powerful legal allies to Asbury Park, NJ, consumers — those who have suffered loss as a result of credit report inaccuracies or have reached dead-end streets with agencies that are violating the Fair Credit Reporting Act.

The Federal Trade Commission states that one out of every five people in the U.S. has a minimum of one error on their credit reports. Credit report errors and damaged credit scores can deal a death blow in so many ways: Potential employers could deny you a job position or promotion; financial institutions could refuse to approve you for loans or bank accounts; car rental services, tenancy, and credit or debit cards could all be out of your reach.

When consumers file a dispute with credit reporting agencies, those agencies have 30 days to prove that the information they have is correct. If they can’t, they must remedy all known errors. Sometimes, credit reporting agencies will automatically take sides with their information furnishers, even though they could have been the ones to provide the flawed consumer information.

When agencies violate the Fair Credit Reporting Act and you experience personal or professional suffering due to credit report errors that remain unresolved, you have the right to sue and receive financial compensation, and you wouldn’t be alone. Consumers across the country filed complaints with the Consumer Financial Protection Bureau in record numbers in 2020. Sixty-three percent of those complaints — more than 280,000 — dealt with just credit report issues.

Credit report errors include:

  • False delinquencies or accounts that don’t belong to the consumer, resulting in denial of credit
  • Personal demographic information that is misspelled, obsolete, or belongs to another person
  • The same loan or mortgage listed more than once
  • Missing accounts that deal with a consumer’s credit, loans, and mortgages — the same types of accounts that determine a person’s creditworthiness
  • An account from more than 7.5 years ago that’s still reported as past due
  • Credit accounts incorrectly listed as open, even after being legitimately closed
  • A living consumer reported as deceased
  • Identity theft, indicators of which include hard credit inquiries the consumer didn’t make and mysterious accounts the consumer didn’t open

We open the doors of justice

As a leading national consumer protection law firm, Consumer Attorneys’ 10+ years of experience has helped clients effectively and efficiently deal with credit reporting misconduct. Consumer Attorneys, based in New York City, represents clients in state and federal courts nationwide. To date, our efforts have secured more than $100 million in monetary recoveries.

Our credit report lawyer teams help Asbury Park clients pursue damages for financial harm, emotional suffering, and punitive damages, if applicable. The good news gets even better: Our Asbury Park clients never pay any out-of-pocket fees because our lawyers earn compensation via financial recoveries only when they win a case.

Identity theft/legal protection plans are your proactive protection

Thieves think nothing of using your Social Security number, credit card numbers/offers, driver’s license number, medical insurance information, rewards account numbers, and other sought-after data for their own financial gain. 

As of 2020, identity theft had affected more than 49 million people. Resolving identity theft issues and damaging credit report errors without legal representation can prove extremely time-consuming and overwhelmingly complex. Additionally, lack of legal counsel can often lead to continued financial loss due to ineffective resolutions.

At Consumer Attorneys, our Asbury Park, NJ, clients can breathe easy knowing there are proactive measures they can take: 

Our identity theft and legal protection plans include identity monitoring, which continuously scans the dark web and other locations for suspicious activity. Credit monitoring also 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 is required immediately.

Through Consumer Attorneys, our Asbury Park, NJ, clients have 24/7 access to U.S.-based certified identity theft resolution specialists who help iron out 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!

Don’t wait — contact our legal team now

Those in Asbury Park, NJ, can connect with our legal team by:

When it comes to identity theft, credit report errors, and background check errors, justice is served thanks to our evidenced-based, expert-led, and solutions-driven strategies!

Are you violated by creditors, debt collectors, or credit reporting agencies?

Call us, and we will restore your financial life back to normal.

Get in touch