A credit dispute lawyer can help you correct errors on your credit report, which may affect your ability to get loans, mortgages, and jobs. They can also assist with identity theft cases and defend you against wrongful debt collection practices. A good credit dispute attorney understands the federal laws that govern both of these areas, as well as how to best present your case in court if necessary.
How long does it take for a dispute to be resolved?
To dispute an error on your credit report, write a letter to the credit bureau and include copies of any supporting documents. The credit reporting agencies must investigate the disputed information within 30 days of receiving it. If the agency determines there is no error, it must notify you of the results, along with a free copy of your report.
If the credit reporting company and/or the creditor that reported the incorrect information do not properly investigate your dispute, you can sue for monetary damages. Your credit lawyer can help you draft a lawsuit against the agencies and creditors who do not follow the law.
A good credit dispute lawyer is an experienced, reputable attorney who works on a contingency fee basis. They will not charge you a fee unless they win your case. They will also review your case files and provide you with recommendations for how to proceed. They will explain the laws that apply to your specific situation, and they will provide you with a list of possible remedies.