Credit Repair in Ohio - Credit Repair Lawyers Of America

Correcting Credit Reports

For Better Credit Scores

Many people out of Ohio may have lower credit scores than they should, due to errors and mistakes on their credit reports. In fact, about 80% of credit reports contain errors of some kind, and many of these mistakes are severe enough to damage credit scores. We’re dedicated to credit repair where we both fix flawed credit reports and improve our clients’ credit scores.

The Fair Credit Reporting Act (FCRA) entitles Ohio consumers to accurate credit reports. So, we work under this statute in order to remove credit report errors.
First, we send dispute letters to the appropriate creditors or credit reporting agencies. Then, if these creditors do not cooperate, we file lawsuits against them.
These services cost our clients absolutely nothing out of pocket, because the FCRA requires the defendants in successful cases to pay our costs and fees.

How a credit report gets damaged without your knowledge

The Most Common Credit Report Errors

Believe it or not, the organizations responsible for your credit report information are usually the culprits behind credit report errors. Lenders and credit bureaus often create errors on consumer info, and these mistakes leads to the following:

Expired Negative Items

All negative marks on credit reports eventually expire. When an item is due for deletion, it is up to the credit reporting agencies to remove it. However, they sometimes fail to do this, and the item remains on the credit report as an error.

Inaccurately Assigned Items

Sometimes a mistake occurs, and paid accounts are listed as “unpaid” on credit reports.

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.

Mis-Merged Mixed 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.

216-358-0591

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Your Legal Right To Accurate Credit Reports

Many people out of Ohio may have lower credit scores than they should, due to errors and mistakes on their credit reports. In fact, about 80% of credit reports contain errors of some kind, and many of these mistakes are severe enough to damage credit scores. At the Law Firm of Gary D. Nitzkin, P.C., We’re dedicated to credit repair where we both fix flawed credit reports and improve our clients’ credit scores.

216-358-0591