Credit Reporting Errors
Credit reporting errors can devastate your finances and personal life. Inaccuracies—like accounts that don’t belong to you, outdated negative items, or misreported late payments—can lower your score, raise borrowing costs, and block access to jobs, housing, or insurance. We dispute these errors with bureaus and furnishers, enforcing your rights under the FCRA and Florida law.
Your Rights
Under the Fair Credit Reporting Act (FCRA) and Florida consumer protection laws, you have the right to:
Obtain a free credit report from each bureau once per year
Dispute inaccurate, incomplete, or unverifiable information.
Have confirmed errors corrected or deleted within 30 days.
Receive notice if credit report data was used to deny you credit, housing, or employment.
Pursue compensation when bureaus or furnishers fail to act.
Possible Damages
If credit bureaus or furnishers fail to fix errors, you may be entitled to:
Reimbursement for financial losses.
Compensation for emotional distress and reputational harm.
Punitive damages for willful violations.
Recovery of attorney’s fees and court costs.
What Clients Ask us Most
Do I need an attorney to fix credit reporting errors?
You’re entitled to see the report, dispute inaccurate items, and have errors corrected within 30 days.
Do errors usually appear on all three credit reports?
You’re entitled to see the report, dispute inaccurate items, and have errors corrected within 30 days.
How do I dispute an error on my credit report?
You’re entitled to see the report, dispute inaccurate items, and have errors corrected within 30 days.
What if the bureau refuses to fix the error?
You’re entitled to see the report, dispute inaccurate items, and have errors corrected within 30 days.
I was denied a loan, job, or rental because of my credit report. What are my rights?
You’re entitled to see the report, dispute inaccurate items, and have errors corrected within 30 days.
Explore our Services
.webp)
.webp)
.webp)