How to file a dispute on your credit report | North Texas Credit Reporting Attorney
If you’ve found an error, are considering filing a dispute, or have already filed or been denied your credit report dispute, it’s time to take real action under the Fair Credit Reporting Act, which protects you, the consumer, against errors on your credit report.
My name is James Foley, PLLC, and I’m an FCRA lawyer who serves the entire state of Texas, especially Allen, Plano, and Sherman. If you think your credit score and/or report have been dragged down by mistakes or identity theft, call me at once.
As a credit report attorney, I serve clients in Ft. Worth, Dallas, San Antonio, Weatherford, Austin, Arlington, Houston, and all over Texas. For all credit reporting and credit score legal necessities in Tyler, Sherman, Allen/Plano, Lufkin, Texarkana, and Beaumont, call me at 817-738-1633.
Before we meet, download your free credit report from www.annualcreditreport.com. Emphasis on the download part, because once it’s lost to cyberspace, you’ve got no case!
What to do when filing a credit report dispute doesn’t work: Equifax, Experian, TransUnion Legal Help
You might think you’re out of options if your credit dispute fails, but you’re not! Taking legal action on matters of fair credit reporting can be far less expensive than you might find working with other kinds of attorneys. I don’t charge my clients costly retainers, I usually front expenses on contingency.
When your dispute is rejected or delayed, it could be because a competing interest steered an arbiter the wrong way. It could be the result of there being too much paperwork for your agency to sort through. It could even be the result of a computer or mail issue. But there’s no excuse for leaving your credit history in limbo.
If you can’t get a straight answer or think your rights to fair credit are being ignored or subjugated, you ARE protected. If you’re located in Northeast Texas, or anywhere else including Waco, Midland, Amarillo, El Paso, Wichita Falls, Tyler, or Galveston, call me at (817) 738-1633.
Taking your CRA to court isn’t out of the question! It’s an easy process when you have an attorney’s help:
1. YOUR FREE CONSULTATION
I’ve seen many credit reports as a fair credit attorney in Texas, so you might not even know what’s wrong with your report besides that there’s just something off about it. I can help you determine if you’re dealing with identity theft, computer bugs, reaged accounts, or merged accounts, and based on that knowledge, determine your next steps.
2. FILING DISPUTE
Did you know that just one week can make a difference in many FCRA cases? It’s crucial that we schedule your free consult as soon as possible so we can move on to taking action. I’ll file a dispute on your behalf on my legal letterhead for the price of postage. Sometimes, that does the trick and you’ve been able to solve your problem for pennies on the dollar.
3. GOING TO COURT, IF NECESSARY
But sometimes, and unfortunately much of the time, it’s necessary to take your case to court. While intimidating, court can solve your issues for years to come and potentially leave you better off with an array of possible damages that can be paid to you, including refunding you any fees I may incur in this phase.
Houston, Austin, Dallas, Ft. Worth, and San Antonio Credit Reporting Lawyer
When you apply for a job, a loan, or a property rental, having excellent credit is crucial. Don’t let someone else’s mistake or criminal activity put your wellbeing in jeopardy. Call me today and we’ll get started ASAP, and for free: (817) 738-1633.
If you live in Texas, especially in Texarkana, Sherman, Tyler, Lufkin, Austin, Allen, Plano or Dallas, call me today and be ready to FIGHT and hopefully WIN.