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Fair Credit Reporting Our mission is to help people out of debt, and we don't take shortcuts

Violations of the Fair Credit Reporting Act

According to statistics, the nation's credit reporting system is largely in error. Credit Bureau personnel have reported that nearly half of all credit reports have incorrect information on them. These errors are not harmless. They may be the reason why you are paying thousands more in interest charges and denied credit.

An individual consumer may have a difficult time being heard by lofty credit bureaus. The law provides you with a right to fair credit reporting. If you feel that your rights have been violated by unfair credit reporting, speak with a debt relief attorney from Joseph J. Mancuso, P.A. immediately.

You Have Rights When It Comes to Your Credit

When a credit bureau prepares a credit report, it must follow regulations regarding the report's accuracy. It is extremely important to regularly check your credit report for errors. You may receive a free credit report once a year or within 60 days of being denied credit.

You have a right to know what is in your credit file, you are entitled to free disclosure if any of the following situations occur:

  • Your file is inaccurate due to fraud.
  • You are unemployed.
  • You are on public assistance.
  • You have a right to know your credit score every 12 months at no charge
  • You have the right to contest inaccurate information
  • Action is taken against you based on the information found in your credit report.

These rights among others can be defended by a skilled debt relief attorney, if you feel you are a victim of unfair credit reporting; don't hesitate to protect your rights and contact our firm.

Contact the Law Offices of Joseph J. Mancuso, P.A.

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