Mismerged data is another big credit reporting problem in Florida. This is when account information belonging to two consumers with similar names gets confused. For instance, John Smith Junior’s unpaid bills ends up on John Smith Senior’s credit report. Sometimes credit report items are wrong because lenders contribute incomplete or inaccurate consumer information.
Unfortunately, one of the most common credit report issues facing people from Florida has little to do with lenders or the credit bureaus. Instead, the fraudulent charges and accounts that pop up so much are due to incidents of identity theft. Of course, if these items are disputed and not removed in a timely manner, the blame falls on the credit reporting agencies.
You Have a Right to Error-Free Credit Reports
Luckily, no Florida resident has to live with damaged credit reports. In fact, the Fair Credit Reporting Act (FCRA) entitles all U.S. consumers to accurate credit files. So, if there are flaws lurking on your credit reports and harming your credit score, give us a call. The experienced attorneys at Credit Repair Lawyers take pride in the work they do for consumers, and are happy to offer these services at no charge. In some settled cases, our clients even receive damages for their troubles.
We also offer free credit report reviews to potential Florida clients. Just send us the most recent copies of your credit reports from www.annualcreditreport.com, and we will go over them with you. If we find errors, we will write dispute letters on your behalf and mail them to the correct credit bureau(s). In cases where credit reporting agencies are uncooperative, we file lawsuits under the FCRA, and we don’t stop until your credit reports are clean.