What Can I Do If There’s A Mistake On My Credit Report?

Few people can afford the cost of a car, home or other significant expense with cash. When you are making important financial decisions about your future, a strong and accurate credit history is essential.

It can be frightening when you discover that your credit score is not what you expected. If your credit bureau made a reporting error that compromises your ability to get a loan, you may feel hopeless. However, the attorneys of Chatham – Pittman, PLLC, can help.

What Can I Do If There's A Mistake On My Credit Report?

Sometimes, credit reporting agencies make mistakes and "mix" claim files. This happens when your credit report reflects information about someone else, often with an identical or similar name to yours.

If a potential lender has alerted you to a problem on your credit report, you are responsible for disputing the error with the reporting agency. An attorney is invaluable if you have to take further action, but many people can handle the initial dispute and paperwork themselves. During your initial consultation at our office, we can review your documentation, walk you through the process and possibly help you resolve your issue without retaining a lawyer at all.

If it becomes necessary to fight for the result you want, however, our consumer protection attorneys stand ready with more than 40 years of combined experience and a record of results standing up for consumers in court.

You can take several simple steps to help Chatham – Pittman, PLLC, recover what you may have lost as a result of those errors:

  1. Document EVERYTHING in writing.
  2. All letters to the credit reporting agencies and creditors should be sent via certified mail.
  3. Record phone conversations (or memorialize them in writing for future reference) if you must communicate with creditors or collectors.

We're With You Every Step Of The Way

Call For A Consultation And Protect Your Future

If you have recently discovered an error on your credit report or if you have tried and failed to have an error removed in the past, we can help. Our attorneys will work with you to dispute errors and, if necessary, pursue legal action against the negligent institution.

From our office in Hernando, Mississippi, we serve clients throughout the surrounding communities, including southern Tennessee and the Memphis metro area. To arrange a consultation at our quiet, comfortable office, please call 662-298-5160 or 888-354-4096 toll free. You may also send us an email, and one of our lawyers will contact you promptly.