Crossed Files: Credit report information linked to people with similar names (or juniors and seniors with the same name) often gets confused. It’s hard for credit reporting agencies to keep such files separated, especially if the similarly named people live in the same city or house.
Incomplete Identifying Data: Creditors are infamous for supplying the credit bureaus with partial data. This is why consumers often find items on their credit reports that actually belong to another person with a similar name and/or address.
Identity Theft Damage: Victims of identity theft typically dispute fraudulent credit report items. However, the lenders and credit bureaus sometimes fail to remove these unauthorized items from credit reports. At this point, the items are legit errors.
Your Legal Right to Accurate Credit Reports
Ohio people deserve error-free credit reports, and the FCRA demands credit report accuracy. This is why the Law Firm of Gary D. Nitzkin, P.C. provides cost-free credit repair services. Even if you’re unsure about whether or not there are mistakes on your credit reports, our help is available. Just send us the most recent copies of your credit reports, and we’ll review them with you.
If we don’t find errors or mistakes, you’ll get the comfort that all is right with your credit reports. However, if we find any errors, we will write dispute letters on your behalf and mail them to the correct lenders and credit reporting agencies. If this gets the job done, great! Your credit reports are clean, and you pay nothing. On the other hand, if the dispute letters don’t work, we go a step further and file lawsuits, and you still pay nothing out of pocket. No matter what we need to do, our services are always free to our clients. Also, in some settled cases, our clients even receive payment for damages.