A lot of New Yorkers have flawed credit reports because creditors and credit reporting agencies frequently make mistakes. As a law firm, we work under the Fair Credit Reporting Act (FCRA) to remove credit report inaccuracies. Of course, we always try to do this “this nice way” at first, but lenders and credit bureaus don’t always cooperate. When this happens, we file lawsuits against them. Then, when we win, the FCRA forces the defendants pay or costs and fees. In fact, this is why our clients never pay anything out of pocket for the work we do.