California Collection Harassment Lawyer
Credit reports are supposed to be fair reflections of a person’s
credit score, and by extension, their financial stability. Many credit
reports can be erroneous, though, showing a much lower score than they
should. This might seem like only a problem on paper but a poor credit
score can negatively impact an individual’s life in many ways.
Low credit reports can cause:
- Higher interest rates on credit cards and bank loans.
- Lower approval rate for new lines of credit.
- Decreased chance of approval for new leases.
- Upfront security deposits for utility services.
- Denied certain employment opportunities.
- Repeated calls from collectors and solicitors.
Wilcox Law Firm, P.C. and our California collection harassment attorney
may be able to help you correct credit score errors before they become
an even larger problem. Call
888.468.7608 to discover your options and how our 20+ years of experience can be put
to good use for your case.
Disputing Errors After Identifying Them
Interpreting the information on the average credit score can be difficult
if you are not well-versed in financial data and the causes behind credit
fluctuations. Our credit harassment attorney in San Jose can start on
your case by first reviewing your credit score reports to see if there
are real discrepancies, or if it is accurate. If or when an error is identified,
we can get to work on how to dispute it.
In many cases, the first step is notifying that specific credit reporting
agency of the problem and how it should actually be reported. Credit reporting
agencies will have only a set amount of days – this amount can change
slightly based on a few factors – to correct the issue. Refusal
or noncompliance may force us to escalate the matter with a lawsuit. You
may also need to use a claim if your finances have already been significantly
impacted due to an erroneous credit report score.
Trusted Attorney at Your Side – 888.468.7608
Our law firm has the ability to dispute credit report errors, no matter
their origin. We can even assist you with credit score correction for
an error that appears across multiple credit score reporting agencies.
Although these cases can be considerably more complicated and could be
indicative of a problem with a banking organization, our know-how and
tenacity can see you through.
You can request a
free consultation with our California creditor harassment lawyer today to begin.