How To Get Help From A Consumer Advocate

Working with a consumer advocate to find out if you have a case costs you nothing but a few minutes of your time, and could result in life-changing benefits.

If it turns out that you do have a case, a consumer advocate or attorney can help you get the errors on your credit report fixed for free, and to potentially be compensated for the damages caused by the error.

According to the FCRA, the creditor or other defendants are required to pay any attorney fees, not you.

Why Credit Report Errors Can Cause So Much Damage

Under the FCRA, creditors must report accounts accurately after bankruptcy.

According to a 2021 Consumer Reports investigation, 1 in 3 people have an error on at least one of their credit reports.

And, eight million times a year, consumers contact one of the big three credit reporting agencies to dispute credit reporting errors.

Yet the dispute system is not designed to fix the problem.

If you’re one of the people with an error on your credit report(s), it could cost you tens of thousands of dollars, or more!

Credit report errors can damage your credit score, prevent you from getting or keeping a job, prevent you from getting housing, or prevent you from getting a loan for a car or home.

Unfortunately, most people don’t realize they have an error until they are applying for a job, for housing, or for a loan.

By then, it’s too late.

As the National Consumer Law Center concludes: “Credit bureaus have little economic incentive to conduct proper disputes or improve their investigations.”

It’s important for consumers to dispute errors in their credit reports, and having an advocate on their side can help them follow up with the dispute and potentially fix the errors for free.

More About the FCRA

Passed in 1970, the FCRA helps consumers understand what actions they can take in regard to the information in their credit reports. The FCRA protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services.

Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information.

Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days.

Whenever you apply for a credit card, a car loan, a mortgage loan, or any other form of credit, the issuing company checks your credit history to assess your creditworthiness. The terms you are offered for credit (such as a loan) may be based in part on your credit score and information in your credit report.

About Fields Law Firm

Fields Law Firm has a track record of fighting for our clients’ rights and winning cases.

At Fields Law, we take pride in the level of support we give our clients.

We’re proud of our 4.9-star rating on Google, which we believe we’ve earned because we take the time to listen to your situation to ensure we understand the full extent of your needs.

Our goal is to protect your rights so that you can receive all of the benefits you are entitled to.

Disclaimer: The information on this website is provided for general informational purposes only and is not legal advice. Submitting information or completing a questionnaire does not create an attorney-client relationship. Fields Law Firm attorneys are licensed in select jurisdictions. Fields Law Firm does not seek to represent clients in California. This website is not intended as advertising in California. This website is intended solely for informational purposes and for advertising in jurisdictions where Fields Law Firm attorneys are licensed. Availability of representation depends on applicable licensing rules. Past results, including successes in lawsuits against insurance companies, do not guarantee, warrant, or predict a similar outcome in any future matter. Outcomes depend on the specific facts, circumstances, and applicable law.