Alabama Fair Credit Reporting Lawyers | Birmingham FCRA & Credit Score Reporting Error Attorneys

Alabama Fair Credit Reporting Act Lawyers
Phone: 205-879-2447 or 205-714-4443

With two offices in Birmingham, Alabama, the consumer protection lawyers at Watts Law Group P.C. & M. Stan Herring P.C. assist clients in correcting their credit report, going through the dispute process, and with claims under the Fair Credit Reporting Act (FCRA).

For information about our services and our commitment to our clients, please visit our Firm Overview page.

The Fair Credit Reporting Act

The Fair Credit Reporting Act (FCRA) was enacted to regulate the collection, dissemination, and use of consumer credit information, as well as outline the dispute process. According to a Consumer Reports article, approximately 70% of the credit reports contain errors.

Because errors in a credit report can severely impact your credit score and your ability to obtain credit, get an auto or home loan, and, in some cases, insurance or your employability, you need to take the appropriate steps to correct any credit report errors. These steps include notifying the credit reporting agency (Equifax, Experian, and Trans Union) of the discrepancy and proof that the report is wrong.

"In 1970, Congress created the Fair Credit Reporting Act, a law which gives consumers specific rights in dealing with Consumer Reporting Agencies. The Fair Credit Reporting Act protects you by requiring that Consumer Reporting Agencies furnish correct and complete information to businesses for use in evaluating your application for credit, insurance, or a job." Consumer Guide to Credit Reporting.

In many cases, there are errors in credit reports for consumers who have successfully completed their bankruptcy. Please visit our Incorrect Credit Reporting after Bankruptcy page for more information on this subject.

For more detailed information about the steps necessary to correct your credit report, please visit our page on Steps You Need to Take for Credit Reporting Errors or contact us for a free confidential consultation to discuss how we can help you.

Causes of Credit Report Errors

There can be many causes of credit reporting errors. Some of the more common errors include the following:

A careless or reckless error by the credit reporting agency (CRA) or the creditor reporting the debt
Identity theft
Failure to update debts after they are discharged in bankruptcy
Failure to remove debts after you have won your collection suit

You are entitled to one free copy of your full credit report from Equifax, Experian, and Trans Union every year. Your free copy can be obtained by downloading a form to mail or calling 1-877-322-8228.

Fair Credit Reporting Act Claims

Before you can file a claim for inaccurate information on your credit report, you must inform the agency or agencies of the error and send proof of the error in the form of a dispute letter. We can assist you in drafting a dispute letter or you can do it yourself. You must send the letter certified mail so you have a record of the letter being mailed.

Identity Theft Credit Issues

Identity theft can be a horrific experience, and attempting to get your life back the way it was can be time-consuming and frustrating. We help people who have been victimized by identity theft with their credit issues. We are not credit repair attorneys, but we can help you with your credit issues.

If you do not get resolution from the dispute letter, we can fight the agencies on your behalf to rectify the situation, and you may be entitled to compensation. Please schedule a free confidential consultation by calling us at 205-879-2447 or 205-714-4443, e-mailing Mr. Watts or e-mailing Mr. Herring, or filling out our intake form on our Contact Us page. We are here for you.