Florida FCRA Lawyers – Fair Credit Reporting Act Attorneys

Fix Your Credit Score with Help from FCRA Fair Credit Reporting Act Attorneys for Free

We’re Here to Help You Fix Mistakes on Your Credit Report

Your credit score is like a financial report card. It affects whether you can get a loan for a house, car, or credit cards and what interest rates you’ll pay. If there are mistakes on your credit report, it can cost you a lot of money in the long run. The good news is that you have rights under the law, specifically the Fair Credit Reporting Act (FCRA).

Our team at Shawn Jaffer & Associates fighting for Florida consumers are here to help you fight against these mistakes. We’ll work hard to get you the money you deserve if your credit report is wrong. Give us a call for a free check-up on your case.

📞 (888) 498-9533

Common Mistakes on Credit Reports

Old or Wrong Information

Credit bureaus and lenders must keep your report up to date. If they don’t, they’re breaking the law. Here are some examples:

  • Not removing a debt wiped out by bankruptcy;
  • Showing old debts as new;
  • Saying an account is open when you’ve closed it;
  • Keeping debts on your report for too long.

Inaccurate or Missing Details

These companies can’t put information on your report that they know is wrong. Mistakes like these are common:

  • Marking a debt as unpaid when you’ve paid it off;
  • Showing a wrong balance on an account;
  • Marking a payment as late when you paid on time;
  • Adding someone else’s debt to your report.

Not Handling Complaints Right

If you complain about a mistake, credit bureaus have to look into it. They have 30 days to fix any mistakes. Sometimes they don’t do this the right way, like:

  • Not telling the lender about your complaint;
  • Not checking your complaint properly;
  • Not fixing or removing wrong information in time.

Other Ways They Can Mess Up

  • Sharing your personal data without permission;
  • Using your credit report for things they shouldn’t;
  • Not sending you notices that they have to by law.

What You Can Get if They Break the Law

Willful Violations of the FCRA

  • You can get actual money lost;
  • You could get between $100 and $1,000 extra;
  • The court may also give you more money as punishment;
  • We can make them pay for your lawyer.

Negligent Violations of the FCRA

  • You can get actual money lost;
  • We can make them pay for your lawyer.

If your credit report has mistakes, don’t wait. Call Shawn Jaffer & Associates and let’s fix your credit and protect your money.

Call For a Free Case Evaluation

(888) 498-9533

Free Case Evaluation

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