Credit report errors abound. Half of all credit report mistakes and errors are enough to depress one’s credit score. There is an excellent chance that your credit report has at least one or more errors on it. We recommend that you check your credit report at least once a year. You can get your credit report for free at www.annualcreditreport.com. Its important to actually examine each of the following sections of your credit report:
Identifying information such as your name, address and place of employment.
Public records such as foreclosures, judgments and bankruptcies. Make sure that if they belong to you, that all information related to such items are correct, especially the dates.
Trade lines – are current accounts that you have with your creditors. If anyone is reporting you as late, be sure that its accurate. Sometimes, creditors report consumers as late when they are not late with their payments.
Footprint of whose pulled your credit report. The bottom section of your credit report shows who has pulled your credit report in the past 2 years. Make sure that each pull was authorized by you because it can potentially bring your credit score down. If it was not authorized by you, then you should consider having us sue them to remove the foot print.
Worried your identity is in danger? Unsure whether your credit is secure after the Equifax data breach? Get a FREE credit report review and remove any inaccurate data from your credit report, all at no cost to you.
A++ work done here.Having made a full turnaround from 3 years ago, when I was $158,000, to today, as I am debt free, Gary's firm was exceptional in my financial recovery. . . Trying to go it alone and settle with debt collectors who refuse to stop calling/harassing is as nerve-wracking and depressing as any experience can get. I'm trying hard not to be bombastic in this review, but honestly: this firm has been a tremendous help, not only legally and financially, but emotionally as well. A++ work done here.Michael H.
Kudos to Gary and his entire staff!!!I live in Ohio and was referred to Gary Nitzkin by Joe Frey at Credit Smart Solutions. I am more than pleased with the way my cases has been handled. The paralegals are very professional and my cases were handled with the utmost care. I have several cases with them and two has settled with a nice payout and they are correcting the errors on my reports. At first I was leery that anything would come of these cases but boy was I wrong and I'm glad I was. Kudos to Gary and his entire staff!!! If you have discrepancies on your credit report Michigan Consumer Credit Lawyers can help!
They were on top it.They took my information, I had an appointment right away and explained [my situation]. It was a first because she said it was probably the worst case she saw in a while . . . They pursued the other agency who wouldn't, and they fought him, and I won. I ended up getting a check for three thousand dollars, and my credit report is clear. It was just nice to know that the average Joe can't fight these people, and if you go someplace legitimately they can take care of it. And a nice thing, not a dime came out of my pocket whatsoever.
Free Identity Theft Repair
It has been the fastest growing crime in America and remains so today. Chances are not “if” you will be a victim of identity theft, but “when.” Go to our free identity theft repair page to learn ways to protect yourself from ID theft. While there are no guarantees that you will always be safe from this crime, you sure as heck don’t have to make it easy for a bad guy to steal your identity. Some easy ways to protect yourself from identity theft include:
Don’t throw your credit card statements or other personal documents in the trash. Shred them and throw the shreds out.
Do not give your credit card or bank account information to anyone you don’t know.
If you get a phone call from your “bank” asking you for any personal information, simply ask them for a telephone number to call them back. If they hang up, you will know it’s a scam. Still, even if they give you a phone number, just hang up because banks and other lenders will never ask you for information that they already have in their system.
If you get an email from your bank or a lender that does not specifically identify you by your name, don’t respond. When they send out notifications to their customers, they always use your name.
Don’t read your credit card information over a cell phone and especially in a public place.
Pull your credit report at least twice a year and make sure everything on it is accurate.
Are debt collectors constantly calling you? Our credit lawyers can make it stop. Debt collectors have some power – we give you more & stop debt collectors. Debt collectors who call you, without your permission on your cellphone, violate the Telephone Consumer Protection Act (TCPA). You can be entitled to damages of between $500 and $1,500 per call. If you ever get a phone call from a debt collector or a phone solicitor (on your cell or landline), tell them to not call you again. If they do call after that, you can sue them under this statute.
Stop Debt Collector Harassment
Debt collectors that violate your rights find no sympathy here. Many collection agencies pay their debt collectors bonuses to collect as much money as possible. Many times, a debt collector is a consumer who owes debt, just like you or me, on the other side of the phone. Many collectors will do whatever it takes to collect a debt. Congress has recognized the terror that these people inflict and enacted the Fair Debt Collection Practices Act. Click below to find out how you can protect yourself from unscrupulous debt collectors. We sue them for you…for free.
Get the credit law services you need with the experts at Credit Repair Lawyers of America. We can help remove inaccuracies from your credit report, review your credit report, fix identity theft, and stop debt collector harassment, all at no cost to you.