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.

The critical difference between deleting a debt and killing a debt

The critical difference between deleting a debt from your credit report and killing a debt  Deleting a debt from your credit report is good, but the debt still lives. You can still be sued and the debt can be sold.  Think of it as a table with an object resting on top. The debt is the table and the credit report is on top of the table. If we can get rid of the credit reporting, excellent.  But the table,… (Read more)


Can you really get mental anguish for false credit reporting against a debt collector?

Can you really get mental anguish for false credit reporting against a debt collector? When we sue for false credit reporting, we almost always make a claim for mental anguish. We have been suing debt collectors (Midland Funding, LVNV, Portfolio Recovery), credit bureaus (TransUnion, Equifax, Experian), and companies that furnish information to these credit bureaus for false credit reporting for many years.  In every single case, the defense lawyers come back to us and say, “We didn’t do anything wrong,… (Read more)


FCRA credit reporting: examples of technical accuracy

FCRA credit reporting: examples of technical accuracy A lot of times when we sue credit reporting agencies (Equifax, TransUnion, Experian) or furnishers (companies who provide information to the credit bureaus) under the Fair Credit Reporting Act (FCRA), they love to say “Well, yeah, but you know this is technically right. It might be a little deceptive, but it is technically right.” There are ways to argue against this. We can flip this argument over on them.  Here are some examples… (Read more)


Two reasons to pull your credit reports after beating a collection suit

Two reasons to pull your credit reports after beating a collection suit You’ve been sued by a debt collector or debt buyer such as Midland Funding, LVNV, Portfolio Recovery, and you’ve won your case. What do you do next? Pull your credit reports. Hopefully, you have looked at your credit reports before you get to the end of your lawsuit.  Even if you haven’t, go on and pull them now. Whether you just won your suit yesterday or you won… (Read more)


General breakdown of the 5 categories FICO looks at for your credit score

General breakdown of the 5 categories FICO looks at for your credit score FICO is the dominant credit scoring model in the country used to determine eligibility for mortgages, auto loans, credit cards, and more. There are 5 categories used by FICO to determine your credit score: Payment History Amount / Utilization of your debt Age of debt Number of inquiries Mix of debt In this article, we will provide a brief overview of these categories and what they mean. … (Read more)


4 Types of money damages you can recover under the FCRA

4 Types of money damages you can recover under the FCRA What type of damages can you get from an FCRA lawsuit? There are 4 types of damages you can recover when suing under the FCRA: Mental Anguish / Emotional Distress Economic Statutory  Punitive   Mental Anguish There is false credit reporting and you have the ability to sue.  Typically this means you have done a dispute through the credit bureau and it doesn’t get fixed.  Now, this false credit… (Read more)