SOMETHING IS WRONG ON MY CREDIT REPORT!
This is a common problem for everyone. You might be in the middle of purchasing a home, getting a vehicle loan, or just monitoring your credit. It might be some old bills you've paid off, a loan that belongs to a relative, or just a number of things that have never belonged to you. I have worked with people all over Wisconsin to fix wrong information on their reports. Some of those people have been the victims of identity theft, negligence by the credit bureaus, or other creditor wrongdoing. I have represented those individuals in lawsuits against the credit bureaus and their creditors.
I THINK I'VE BEEN THE VICTIM OF IDENTITY THEFT
I have helped many people recover from identity theft. There are laws that protect you and your credit when identity theft happens. So don't despair. Acting quickly will help minimize the damages and put a stop to the problem. During your free initial consultation we'll review all of the steps necessary to protect your identity and credit. Just because you've been the victim of identity theft, you should not despair. Together we can protect your identity from future problems along with dealing with the current credit reporting errors.
COMMON CREDIT REPORTING ERRORS
- Paid off debts reporting a balance
- Someone else's information on your report
- Identity theft debts reporting
- Incorrectly listing someone as deceased
- Someone pulled your credit without permission
- Incorrect account history, payment history, or balance.
- Same account listed multiple times
MY PARENT/SIBLING'S INFORMATION IS ON MY CREDIT REPORT – HELP!
Sometimes your credit information will become mixed with a relative. This issue can disrupt your debt to income ratios, cause incorrect positive/negative information to impact your score, and otherwise wreak havoc on family relationships. After all, we want our information to remain private (and not be shared with our relatives!). When this information is “mixed” on your credit reports, it can be very difficult to correct. We'll spend time identifying the incorrect information and walking you through the steps to correct.
CREDIT BUREAUS WON'T REMOVE WRONG INFORMATION
You have a federal right to a correct credit report. This right is covered by something called the Fair Credit Reporting Act. Under this law, both the credit bureaus and the creditors, have a duty to make sure you have an accurate report. If they fail to fix wrong information on your report, it may be time to sue them.
SUING THE CREDIT BUREAUS AND CREDITORS
I regularly represent people in lawsuits against the credit bureaus and their creditors. The laws that govern them (like the Fair Credit Reporting Act) have something called “fee shifting” in them. This means the credit bureaus and your creditors are responsible for your legal bills incurred. I handle many cases on a contingency basis; meaning you do not need to pay me a retainer deposit. Many people have their credit reports corrected after a simple letter to the credit bureaus; and I am always happy to assist.
HOW DO I PROTECT MY CREDIT?
The best way to protect your credit is regular monitoring. During your free consultation we will discuss both your current reports, but ways to monitor in the future. There are a variety of ways to monitor your credit without “dinging” your score.
GENERAL CREDIT IMPROVEMENT
Some people ask me to do a “wellness check” on their credit reports. I'm always happy to do a free consultation and review your credit report. There are some actions you might be able to take to improve your credit. There's no need to employ a costly credit repair company; correcting, improving, and monitoring your credit is easily done for free.
WHAT TO EXPECT DURING A FREE CONSULTATION
Prior to our call, make sure we have a copy of your credit report. If you don't have a current copy of your report, we'll discuss how to get a copy. We'll go over your report and discuss the problems, discuss the next steps, and identify how we can help.