Most of the time, it seems that credit bureaus plan to make credit reports confusing and overwhelming on purpose. Many are 50 or more pages long. In this instance, note that it is not uncommon for them to have errors and inaccurate information. This can have damaging effects on individuals and their financial status and plans. If you have found differences in your credit report, read on and then reach out to Loker Law, APC today to speak with a skilled California credit report lawyer to examine the next steps that you should take after witnessing an inaccurate credit report in California.
What signs indicate that I have an inaccurate credit report?
Even if you have minor suspicions that your credit report is inaccurate, it is important that you consider investigating whether or not there are any warning signs that indicate that your credit file may be inaccurate or incomplete. The best way to accomplish this is by checking the personal information area of your credit report in addition to the following areas:
- An overview of your personal information, for example, your name, addresses, telephone numbers, date of birth, social security number, and employers
- Reports on certain accounts are also named tradelines, each of which will have an initial section supplying the name of the company, truncated account number, status, balances, and plan payments
- A clear payment history composed of shorthand codes
If you find any inconsistencies with any of the above information, you will need to see the address for the furnisher within the tradeline and supply them with a straightforward dispute verified by supporting documents. If you do not do this, the furnisher will not improve the mark. If you have any additional questions or concerns, it is in your best interest to reach out to our firm today to discuss the details of your case and the best course of action for you.
How can a California consumer lawyer best serve you?
If you have faced restrictions because of an inaccurate credit report, particularly one you have unsuccessfully tried to fix, you should reach out to a reliable and experienced consumer lawyer who will have the knowledge and expertise to construct a successful case. Not only will you be able to seek legal action for actual damages, like pecuniary loss or emotional distress, but a skilled legal representative will claim attorneys’ fees and costs in addition to punitive damages. Punitive damages are used to punish the defendant and send a strong warning to other bad actors. You should not let credit bureaus get away with taking advantage of your good character. It is in your best interest to reach out to our firm today. We are here for you each step of the way.