Credit Report Correction Taking Too Long? No Reply from TransUnion, Equifax, Experian? | FCRA Lawyer San Antonio TX
Texans’ consumer credit reports are mostly handled by one of three major credit reporting agencies (or CRA’s), Equifax, TransUnion, and Experian. If you have inaccurate or fraudulent information on your credit report, and even more so have tried to deal directly with your CRA, you may need help.
Whatever the reason for delays may be, you need action on your credit history, and FAST. Your rights in Texas are protected under the Fair Credit Reporting Act (FCRA), but only if you hire a lawyer that knows how to use it.
I’m James Foley, PLLC, and I represent consumers’ rights under the FCRA in Dallas/Ft. Worth, Houston, San Antonio, El Paso, Waco, Amarillo, and Tyler. My goal is to win consumers their right to fair credit, which means a potential improvement in credit score, borrowing potential, and winning damages under federal law.
If you are planning to dispute Experian, TransUnion, or Equifax, or can’t get a reply from your credit reporting agency, I’m here to help, and will start you off with a free consultation: 817-738-1633.
If you haven’t already, go to www.annualcreditreport.com for a free credit report, and examine it closely for anything that looks incorrect.
Houston, Austin, or San Antonio Credit Report Accuracy Lawyer | James Foley, PLLC
You may be wondering, do I need to bring in a lawyer at this stage? My answer is always the same, even if you haven’t filed your initial dispute: YES.
I won’t nickel and dime you, I charge for postage on the front end but if we decide to file suit I do it on contingency. This means I only get paid if you do. That is, if my initial letter doesn’t get your CRA’s attention right away.
It is crucial that you act fast when it comes to choosing a fair credit attorney in Texas, whether you need accurate credit reporting in Abilene, Galveston, College Station, Lubbock, Midland, or Corpus. The sooner you act, the better, because if you’re owed damages when the case is over, that speed will pay itself back plus some.
But even if you aren’t owed damages, your work getting your credit right will mean thousands of dollars back to you long term, as your accurate credit allows for better borrowing rates and more.
How to Dispute Experian, Equifax, or TransUnion with Legal Help in Texas
You may have a problem with a computer error, bad actor, or accounting mistake. Whatever the situation may be, you’re doing the right thing getting ahead of it. When you take advantage of your free consultation with me, I may even be able to tell you which of the above you’re dealing with, which means an end to worries about identity theft or further inaccuracy arising.
1. START BY DOWNLOADING EVERYTHING
Your proof will be necessary when it comes to winning a case and/or monetary damages on the back end, and you can’t expect the other side to provide past statements that you currently have access to. Once you’ve accessed a document or credit report, download it at once, because these reports typically aren’t preserved long term by TransUnion, Experian, or Equifax.
2. CALL ME AT 817-738-1633 AND USE YOUR FREE CONSULTATION
I offer free consultations, and if you’re starting from square one, I’ll file your dispute on my legal letterhead for the price of postage. When we consult, we’ll establish what your issue may be, what the process for disputing looks like, and how I can help resolve your credit reporting problems, whether you’re in Arlington, Aledo, Fort Worth, Austin, San Antonio Dallas, Waco, Houston, or anywhere else in the Lone Star state.
3. THE COURTS CAN HELP YOU
In the same way that my clients find difficulty when they issue a dispute, so too my disputes aren’t always answered or resolved. When that happens, it means taking your credit accuracy to federal court, and making sure you’re taken care of for good.
Whether your account has suffered a security breach, computer error, or inaccurate information from a past lender, the courts are here to help us make it right again. I strive to end a case with my client being paid for their trouble, and also being able to pay my fees from the surplus.
Credit Reporting Inaccuracy is no joke. Call James Foley, PLLC if you’re in Texas!
For fair credit reporting legal help in Weatherford, Abilene, Grapevine, Ridglea, Lake Worth, Georgetown, San Antonio, Aledo, Richland Hills, Benbrook, Weatherford, HEB, Burleson or Farmers Branch, give me a call at 817-738-1633.
You can not afford to wait another moment to either get started or to get your credit reporting agency’s attention, and I’m here to make that happen either way.