Can I fix credit report errors on my own?

“Can I fix credit report errors on my own?”

credit report errorsThis is a common question that we run across, but a great one nonetheless.

Absolutely, you can fix credit report errors on your own.

Most of the time, it’s pretty easy to fix them.

The key is to properly dispute with the credit reporting agency (Experian, TransUnion, Equifax, etc.)

Some people don’t go about it the right way, which can be a mess.

Write them a letter.

Explain why your credit reports are wrong.

Send them evidence that proves your credit reports need to be fixed.

If you dispute it properly, the credit agencies should fix it.

Hopefully, the errors will be fixed once you’ve properly disputed with the credit reporting agency.

Then you wouldn’t have to worry about it.

We just recommend that you check your credit reports now and then, at least once a year.

Or, if the credit reporting agencies won’t fix your reports then you should take action.

Just to fix your credit reports, you can do it on your own.

Unfortunately, credit reporting agencies can be stubborn, and  sometimes it’s appropriate to sue them in court.

When you ask for money damges against them — somehow, that gets their attention.  🙂

Now they face paying their own lawyers, paying your lawyers, paying you money damages, and facing a federal jury trial.  Suddenly they can now figure out where they went wrong and how to fix your problems.  It really is remarkable how quickly they can move when properly motivated….

If this is where you find yourself, make sure you find a good consumer protection attorney who is experienced in FCRA (Fair Credit Reporting Act) cases.

Talk with them and see if they can help you.

If you have any questions about our firm, you can contact us by phone at 1-205-879-2447.

Give us a call.

If you have any questions, you can reach us by phone at 1-205-879-2447.

Or you can fill out a contact form, and we will get in touch with you as soon as possible.

We will be glad to walk you through your options.

I look forward to chatting with you!

Have a great day.

-John G. Watts

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