Credit Report Errors

If the companies won’t fix your credit reports, you have the option to sue under federal law to persuade the appropriate companies to fix your credit reports and compensate you.

60 Minutes Report Reveals The Broken Credit Report System In America

60 Minutes Report Reveals The Broken Credit Report System In America 60 Minutes had an excellent expose of the credit reporting industry and how Equifax, Experian, and TransUnion are not concerned with fixing credit report errors. The journalist on the story was Steve Kroft who really captured the frustration felt by so many consumers who cannot get the attention of the credit bureaus to fix a credit report with errors. 40 million Americans have errors — there are about 200… (Read more)


FAQ About Fair Credit Reporting Act (FCRA)

FAQ About Fair Credit Reporting Act (FCRA) Your credit report should be accurate Q. What is a credit report? A. A “credit report” is a document that normally contains your personal information (name, date of birth, social security number, address, etc) and information about your credit history such as the credit cards you have, the mortgages you have, and whether you have ever been late or been sent to collection. Q. How do I get a copy of my credit… (Read more)


What is a furnisher of information to my credit report?

“What is a furnisher of information to my credit report?” You’re looking at your credit reports, and you realize that there’s some false information on there. So you do some research, and you find out about the FCRA (Fair Credit Reporting Act). While you’re looking at the FCRA, you learn about the credit bureaus and agencies, like Equifax, Experian, TransUnion, etc. They collect all this information and put it into a report. Then you read about this person that’s called… (Read more)


Why checking your credit reports before and after a foreclosure is vital

Why checking your credit reports before and after a foreclosure is vital A large part of our practice at Watts & Herring is helping people who are facing foreclosure in the state of Alabama. In addition, we help consumers with credit reporting errors. Are these two practice areas completely separate, or do they merge together from time to time? Sometimes they merge. This is why we recommend checking your credit reports whether you’re facing a foreclosure, or you’ve just gone… (Read more)


What should I do if I win my lawsuit against an original creditor, but credit reports aren’t fixed?

“What should I do if I win my lawsuit against an original creditor, but credit reports aren’t fixed?” Let’s say that you’ve already won your case, and you go the credit company and let them know that you don’t owe the debt on your credit report. You ask them to fix your reports so that your reports will be accurate, and they don’t do it. They reach out to Capital One (or whoever the original creditor is) and ask them… (Read more)


Why should I pull my credit reports when I’m dealing with a foreclosure?

When you’re facing foreclosure, we recommend that you pull your credit reports. This confuses people, and they ask, “Why in the world should I do that? I’ve got a foreclosure that’s happening in two weeks! How is that going to help me?” Well, there are a couple of ways it will help you. It may give you information that shows the foreclosure isn’t allowed. You may also see information that violates other laws, such as the FCRA, Fair Credit Reporting… (Read more)


Is it legal to credit report me as 30 days late before I am actually 30 days late?

Is it legal to credit report me as 30 days late before I am actually 30 days late? Let’s say your payment is due on October 1st, and you pay it on the 2nd instead. Can they report you being 30 days late, which is negative on your credit report? Well, I think it’s pretty clear that no, they can’t. Reporting that someone is 30 days late is exactly that, the person being 30 days late. If you paid it… (Read more)